Private retirement: what is the premium?
Verified 01 September 2023 - Legal and Administrative Information Directorate (Prime Minister)
If you retire beyond the minimum age of departure by having a number of higher pension insurance quarters the number of quarters required to qualify for a full-rate pension, your retirement pension is increased based on the number of additional quarters you have.
The additional working quarters taken into account are calendar quarters integers following the one in which you reached the minimum retirement age.
Each additional full calendar quarter worked increases your retirement by 1.25%.
As a reminder, the minimum retirement age and the number of quarters of pension insurance required to qualify for a full-rate pension vary depending on your year of birth under the following conditions:
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) |
So for example, if you were born in 1964, if you continue to work beyond 63 and beyond 171 quarters, your retirement will be increased by 1.25% per quarter worked beyond 171e.
If you work for example 4 additional quarters, your retirement pension will be increased by 5%.
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