To be eligible for one full pension (ie 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 compulsory pension schemes (as private sector employee, agricultural employee, civil servant, etc.) are taken into account. Please note: the conditions and number of quarters needed to achieve full rate depend on several factors, including status: private employee, public employee, self-employed, etc.
Pension reform 2023 : A fifteenth pension reform will soon be examined. This reform aims to increase the number of quarterly contributions to achieve the full rate and/or raise the legal retirement age. However, the information published below is valid until this law has been passed. Moreover, no one is able to date to give the concrete impacts.
Full pension
There are 2 ways to get a full pension:
- You either have the number of quarters of pension insurance required according to your year of birth
- Or retire at 67
To know : If you have worked under a status other than salaried (civil servant, self-employed, etc.) and you have paid into several pension funds, it is your total duration of insurance, all schemes combined, that is taken into account. determine whether you are entitled to a full old-age pension or not.
Private employee
The information on this page describes the main rules on pension, the duration of insurance under the general social security scheme and the employee’s old-age pension.
Pension at full rate, number of quarters required
| year of birth | Number of necessary terms |
|---|---|
| 1955 to 1957 | 166 (41 years and 6 months) |
| 1958 to 1960 | 167 (41 years and 9 months) |
| 1961 to 1963 | 168 (42 years) |
| 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 later | 172 (43 years) |
Independent
Benchmarks for the basic pension for the self-employed (artisans, traders, industrialists).
| year of birth | Number of insurance quarters 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 full retirement is the same as for private sector employees.
Pension at full rate, number of quarters required
| year of birth | Number of necessary conditions |
|---|---|
| 1955 to 1957 | 166 (41 years and 6 months) |
| 1958 to 1960 | 167 (41 years and 9 months) |
| 1961 to 1963 | 168 (42 years) |
| 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 later | 172 (43 years) |
Liberal profession
The retirement age depends on the insured’s year of birth. The insured can retire before the legal age under certain conditions: early retirement for a long career, disability: Limitation of activity or limitation of participation in the life of society that a person suffers in his environment due to a significant, permanent or final change in one or more physical, sensory, mental, cognitive or psychological functions, a multiple disability or a debilitating or troublesome health problem.
As in the other schemes, the age for full rate depends on the insured’s year of birth.
| Date of birth | Legal retirement age | Number of quarters for 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 1 July 1951 to 31 December 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 case of an insufficient quarter? If the insured does not have a sufficient number of quarters or of a certain quality, but wishes to go between the legal retirement age and the full age, 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 case of an extra period? Every quarter paid in 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 extra quarter.
Official
Holders and non-holders are placed in the same boat. The information available from this page describes the main rules regarding the retirement of civil servants and contract employees from the 3 public functions. These items are presented for information and are not sufficient to estimate the date of your retirement or the amount of your future pension. For any information regarding your personal matter, contact your administration or consult the Info-Retraite website.
To be eligible for full pension (i.e. without discount) you must meet one of the following two conditions:
You have a fixed number of quarters of pension insurance. Account is taken of all the quarters acquired from the various compulsory pension schemes (in the public sector and the private sector).
You have reached a set 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 depending on your year of birth under the following conditions:
| Year 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) | 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) | 67 years old |
To be entitled to civil service pension, you must have worked and paid in for at least 2 years as a civil servant.
Please note: If you are an active service member in the civil servant category, the number of quarters of pension insurance required to be eligible for a full pension is different.
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