Full pension: how many quarters of pension insurance do you need? – Save instructions


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:

  1. You either have the number of quarters of pension insurance required according to your year of birth
  2. 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.

Number of quarters of insurance required to receive full 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.

Legal age and full rate age – Liberal profession
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:

Conditions for awarding a full pension to civil servants in the sedentary category
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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