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.

FYI  

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:

Tableau - Number of insurance quarters required to qualify for a full rate pension

You were born:

You can retire from:

Number of quarters required to have the full rate

In 1956 or 1957

62 yrs

166 (41 years 6 months)

Between 1er January 1958 and December 31, 1960

62 yrs

167 (41 years 9 months)

Between 1er January 1961 and August 31, 1961

62 yrs

168 (42 years)

Between 1er September 1961 and December 31, 1961

62 years and 3 months

169 (42 years 3 months)

1962

62 years and 6 months

169 (42 years 3 months)

1963

62 years and 9 months

170 (42 years 6 months)

1964

63 yrs

171 (42 years 9 months)

1965

63 years and 3 months

172 (43 years)

1966

63 years and 6 months

172 (43 years)

1967

63 years and 9 months

172 (43 years)

From 1er january 1968

64 yrs

172 (43 years)

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.

My Retirement Account

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.

Retirement Info - Correcting my career

1ers case

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:

2es case

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 :

Tableau - Age at which you can retire

You were born:

You can retire from:

Before 1er september 1961

62 yrs

Between 1er September 1961 and December 31, 1961

62 years and 3 months

In 1962

62 years and 6 months

In 1963

62 years and 9 months

In 1964

63 yrs

In 1965

63 years and 3 months

In 1966

63 years and 6 months

In 1967

63 years and 9 months

From 1er january 1968

64 yrs

3e case

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.

4es case

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.

You are entitled to a full rate pension at the earliest from age 55 if you have well-worked by being handicapped person and meet the conditions to be eligible for a early retirement for disability.

FYI  

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:

Know your pension plans