Employee's full retirement pension
Verified 01 September 2023 - Legal and Administrative Information Directorate (Prime Minister)
You are salaried worker and you want to know what a full-rate pension and if you can benefit ?
Here's the information you need to know.
A retreat full rate is a pension granted no discount.
To understand what this is all about, know that as a private sector employee, when you retire, you are entitled to:
- To a retirement pension from the Social Security Pension Insurance (referred to as basic pension)
- And a state pensionAgirc-Arco: titleContent (said supplementary pension)
Your basic Social Security Pension Insurance pension is granted at a full rate in one of the following cases:
- You're retiring before age 67 by having a sufficient number of quarters pension insurance (this number varies according to your year of birth)
- You're retiring at age 67, regardless of how many quarters of pension insurance you have
So if you retire before age 67, without having the required number of quarters of pension insurance, you are not entitled to a full rate pension.
In this case, the amount of your retirement pension is reduced according to the number of quarters you are missing.
This reduction is the discount.
If you worked under other statuses than as an employee (public official, self-employed, etc.) and consequently contributed to several pension funds, this is your total insurance duration, all schemes combined, which is taken into account in determining whether or not you are entitled to full-rate retirement pensions.
The amount of your additional pension from the Agirc-Arco may also be reduced or increased depending on your age of departure.
If you retire before age 67
You are entitled to a full pension before age 67 if you have a specified number of pension insurance quarters.
This number of quarters varies depending on your date of birth:
If you retire before age 67 without having the required number of quarters, you are not entitled to a full rate pension.
The amount of your pension is subject to a discount, that is to say it is reduced according to the number of quarters you miss.
If you retire at age 67
You are entitled to a full pension rate if you retire at age 67, regardless of the number of quarters of pension insurance.
Your pension is calculated based on the number of quarters you have, whatever it is.
If you have fewer quarters than you need to qualify for a full-rate pension before age 67, no discount is applied on the amount.
You can know the number of quarters of pension insurance that you have by consulting your career record in your pension account, available on the official pension info website.
Your career statement summarizes, in a chronological manner, all your different professional periods.
You can print and download your career record.
You can also perform a simulation of the upright retirement at different ages, full or not, based on data known to your pension funds.
From the age of 55 onwards, you can report to your pension funds the anomalies in your career statement and ask for their correction: missing jobs, inconsistencies, etc.
Your pension funds are directly informed.
You can then follow their treatment on your pension account.
You are entitled to a full rate pension at age 65, no matter how many quarters you have of pension insurance, if you are in one the following situations:
- You have ceased working during at least 30 consecutive months for help one person handicapped person, asfamily caregiver or third personto perform ordinary and essential acts of life
- You brought a actual aid during at least 30 months to your handicapped child recipient of human aid under the disability compensation benefit (PCH)
- You are entitled to at least 1 free retirement insurance term for raising a disabled child
- You're touching the early retirement allowance for asbestos workers (Acaata)
You are entitled to a full rate pension from the statutory minimum retirement age, no matter how many quarters you have of pension insurance, if you are in one the following situations:
- You're recognized unfit for work, that is, you are permanently incapacitated from work medically ascertained by 50%
- You are handicapped person suffering from permanent incapacity at least 50%
You are also entitled to a full rate pension from the statutory minimum retirement age if you raised at least 3 children, exercised one manual labor and have at least 120 quarters pension insurance.
The legal minimum age from which you can retire depends on your date of birth :
You are entitled to a full rate pension from 60 years if you have permanent incapacity at least 10% recognized by the Pension Insurance or the MSA: titleContent.
You are entitled to a full rate pension at the earliest from age 56 if you complete the conditions to be entitled to a early retirement for a long career.
If you wish to have more information on these devices early departure in retirement, you can request a retirement information interview.
This interview allows you to take stock of the situation personalized and free of charge on your career, to get simulations the amount of your retirement and to put down your questions to an expert.
To request the interview, you must contact (by telephone, mail, mail,...) one of your dietsretirement years.
You will find the coordinates using the following service:
- Social Security Code: Article L351-1
- Social Security Code: Article L351-8Entitlement to the full rate between the ages of 65 and 67 or from the statutory retirement age
- Social Security Code: Article L161-17-3Duration of insurance for full retirement: employees born after 1957
- Act No. 2010-1330 of 9 November 2010 on pension reform: Article 20Entitlement to the full rate at age 65
- Decree No. 2010-1734 of 30 December 2010 on the age of eligibility for retirement pension: Article 7
- Act No. 2003-775 of 21 August 2003 on pension reform: article 5Duration of insurance for a full rate pension: general principles
- Social Security Code: Article R351-37Retirement date
- Decree No. 2012-1487 of 27 December 2012 on the period of insurance necessary to receive a full retirement pension for persons born in 1956
- Decree No. 2013-1155 of 13 December 2013 on the period of insurance necessary to receive a full-rate retirement pension for insured persons born in 1957
- Retirement in the private sector: insurance periodService-Public.fr
- Retirement InfoPublic interest grouping "Union retirement"
- Social Security Pension InsuranceNational old-age insurance fund
- Agirc-ArcoAgirc-Arco Federation