Full pension: how many quarters of pension insurance do you need? – Saving guide


To be entitled to a full pension (i.e. without discount), you must provide proof of a certain number of quarters of pension insurance. The number of trimesters required varies depending on your year of birth. All quarters of pension insurance acquired from the various mandatory pension schemes (as a private sector employee, agricultural employee, civil servant, etc.) are taken into account. Please note: the conditions and the number of quarters necessary in order to obtain a full rate depend on several factors, including the status: private employee, public employee, self-employed, etc.

Pension reform 2023 : An umpteenth pension reform will be examined soon. This reform aims to increase the number of quarters of contributions in order to obtain the full rate and/or raise the legal retirement age. However, the information published below is that currently in force, until this law has been enacted. Moreover, no one is able to date to give the concrete impacts.

Full pension

There are 2 ways to get a full pension:

  1. Either have the number of quarters of pension insurance required according to your year of birth
  2. Or retire at age 67

To know : If you have worked under statuses other than salaried (public official, self-employed, etc.) and you have contributed to several pension funds, it is your total duration of insurance, all schemes combined, which is taken into account. account to determine whether or not you are entitled to full retirement pensions.

Private sector employee

The information available from this page details the main rules concerning retirement, the duration of insurance under the general social security scheme and the employee’s retirement pension.

Number of quarters of insurance required to benefit from a full pension

Retirement at full rate, number of quarters required

year of birth Number of terms required
1955 to 1957 166 (41 years and 6 months)
1958 to 1960 167 (41 years and 9 months)
1961 to 1963 168 (42 years old)
1964 to 1966 169 (42 years and 3 months)
1967 to 1969 170 (42 years and 6 months)
1970 to 1972 171 (42 years and 9 months)
1973 and after 172 (43 years old)

Independent

Benchmarks for the basic pension for the self-employed (craftsmen, traders, industrialists).

year of birth Number of quarters of insurance required for the full rate Number of best years for average annual income Reference duration
1950 162 22 162
1951 163 23 163
1952 164 24 164
1953-1954 165 25 165
1955-1957 166 25 166
1958-1960 167 25 167
1961-1963 168 25 168
1964-1966 169 25 169
1967-1969 170 25 170
1970-1972 171 25 171
From 1973 172 25 172

Farmer

The number of quarters required for a full pension is the same as for private sector employees.

Retirement at full rate, number of quarters required

year of birth Number of terms required
1955 to 1957 166 (41 years and 6 months)
1958 to 1960 167 (41 years and 9 months)
1961 to 1963 168 (42 years old)
1964 to 1966 169 (42 years and 3 months)
1967 to 1969 170 (42 years and 6 months)
1970 to 1972 171 (42 years and 9 months)
1973 and after 172 (43 years old)

Liberal profession

The retirement age depends on the year of birth of the insured. The insured can retire before the legal age under certain conditions: early retirement for a long career, disability: Limitation of activity or restriction of participation in life in society suffered in his environment by a person due to a substantial, lasting or definitive alteration of one or more physical, sensory, mental, cognitive or psychic functions, of a multiple disability or of an incapacitating or arduous health problem.

As in the other plans, the age of the full rate depends on the year of birth of the insured.

Legal age and full rate age – Liberal profession
Date of Birth Legal retirement age Number of quarters for the full rate Full retirement age
Before 1949 60 years 160 65 years
1949 60 years 161 65 years
1950 60 years 162 65 years
Before July 1, 1951 60 years 163 65 years
From July 1, 1951 to December 31, 1951 60 years and 4 months 163 65 years and 4 months
1952 60 years and 9 months 164 65 years and 9 months
1953 61 years and 2 months 165 66 years and 2 months
1954 61 years and 7 months 165 66 years and 7 months
1955 to 1957 62 years old 166 67 years old
1958 to 1960 62 years old 167 67 years old
1961 to 1963 62 years old 168 67 years old
1965 to 1966 62 years old 169 67 years old
1967 to 1969 62 years old 169 67 years old
1970 to 1972 62 years old 170 67 years old
1973 and more 62 years old 172 67 years old

What happens in the event of an insufficient quarter? If the insured does not have a sufficient number of quarters or of a particular quality but wishes to leave between the legal retirement age and the full rate age, then the amount of the basic pension is reduced. It is reduced by 1.25% per missing quarter. The discount applies to a maximum of 20 quarters.

What happens in the event of an additional term? Any quarter contributed beyond the legal retirement age and beyond the number required for the full rate provides an increase (or premium) in the amount of the basic pension. Since 2004, the increase has been 0.75% per additional quarter.

Civil servant

Holders and non-holders are housed in the same boat. The information available from this page details the main rules concerning the retirement of civil servants and contract workers from the 3 public functions. These elements are presented for information purposes, and are not sufficient to estimate the date of your retirement, nor the amount of your future pension. For any information concerning your personal case, contact your administration or consult the Info-Retraite website.

To be entitled to a full-rate pension (i.e. without a discount), you must meet one of the following two conditions:

You have a determined number of quarters of pension insurance. All the quarters acquired from the various mandatory pension schemes (in the civil service and the private sector) are taken into account.

You have reached a determined age which automatically entitles you to a full pension, regardless of your number of quarters of pension insurance.

The number of terms required and the age of the automatic full rate vary according to your year of birth, under the following conditions:

Conditions for granting a full-rate pension for a civil servant in the sedentary category
Years of birth Number of quarters of pension insurance Haircut cancellation age
1955 166 (41 years and 6 months) 66 years and 3 months
1956 166 (41 years and 6 months) 66 years and 6 months
1957 166 (41 years and 6 months) 66 years and 9 months
1958, 1959, 1960 167 (41 years and 9 months) 67 years old
1961, 1962, 1963 168 (42 years old) 67 years old
1964, 1965, 1966 169 (42 years and 3 months) 67 years old
1967, 1968, 1969 170 (42 years and 6 months) 67 years old
1970, 1971, 1972 171 (42 years and 9 months) 67 years old
From 1973 172 (43 years old) 67 years old

To be entitled to a civil service pension, you must have worked and contributed for at least 2 years as a civil servant.

Please note: If you are an active category civil servant, the number of quarters of pension insurance required to be entitled to a full pension is different.

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