Full rate basic retirement pension of the employee

Verified 01 January 2026 - Public Service / Directorate of Legal and Administrative Information (Prime Minister)

You are employee and you want to know what a full rate retirement and if you can benefit ? Here is the information you need to know.

One full rate retirement is a pension granted without discount, i.e. without any reduction in its amount.

As a private sector employee, when you retire, you are entitled to:

  • To a basic retirement pension from the Pension Insurance
  • And a supplementary pension from theAgirc-Arrco: titleContent.

The basic pension of the Retirement Insurance is granted at full rate:

  • If you fill in a term of insurance or age requirement
  • Or if you are in certain specific situations.

Please note

The amount of your Agirc-Arrco supplementary pension may also be reduced or increased depending on your starting age.

The basic pension of the Retirement Insurance is granted at full rate if you meet one of the following 2 conditions:

If you retire before age 67, without the required number of quarters of pension insurance, you are not entitled to a full pension.

In this case, the amount of your retirement pension is reduced by the number of quarters you miss. This reduction is there haircut.

The number of quarters required to be entitled to a pension at a rate before age 67 varies according to your date of birth:

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

You were born:

You can retire from:

Number of quarters required to have the full rate

Between 1er January 1958 and December 31, 1960

62 years

167 (41 years 9 months)

Between 1er January 1961 and August 31, 1961

62 years

168 (42 years old)

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)

Between 1er January 1963 and March 31, 1965

62 years and 9 months

170 (42 years 6 months)

Between 1er April 1965 and December 31, 1965

63 years

171 (42 years 9 months)

1966

63 years and 3 months

172 (43 years old)

1967

63 years and 6 months

172 (43 years old)

1968

63 years and 9 months

172 (43 years old)

From 1er January 1969

64 years

172 (43 years old)

FYI  

If you have worked under other statutes than employee (public official, self-employed, farmer, liberal profession etc.) and you have consequently contributed to different pension funds, this is your total duration of insurance, all plans combined, which is taken into account when determining whether or not you are entitled to full-rate retirement pensions.

If you leave at age 67However, your pension is calculated at a full rate based on your number of quarters of pension insurance.

If you have fewer quarters than you need to qualify for a full pension before age 67, no discount is applied to the amount.

You can benefit from a full pension before age 67, regardless of your number of quarters of pension insurance, in the following cases, if you meet the required conditions.

FYI  

If you wish to have more information on one of these early retirement schemes, you can apply for a retirement information interview.

This interview allows you to take stock of the situation personalized and free on your career, to get simulations the amount of your pension and to lay your questions to an expert.

To request the interview, you must contact (by phone, mail, email, etc.) one of your pension funds.

You will find them coordinates on the Info Retirement website in your retirement account using the service My career / My pension plans :

Info Retirement - My retirement account

Full pension at age 65

You are entitled to a full pension from the age of 65 if you are in one of the following situations:

Full pension at age 62

You are entitled to a full pension from the age of 62 if you found unfit for work.

Full pension at age 60

You are entitled to a full pension from the age of 60 if you have permanent incapacity of occupational origin (as a result of an occupational disease or a-) of at least 10% recognized by the Pension Insurance.

Full pension from 58 years of age

You are entitled to a full pension at the earliest from 58 years old if you meet the conditions to be entitled to a early retirement for long career.

Full pension from 55 years of age

You are entitled to a full pension at the earliest from 55 years if you have worked while disabled and meet the conditions to be entitled to a early retirement for disability.

You can know the number of quarters pension insurance that you have by consulting your career record on the Info Retraite website in your retirement account.

Your career statement summarizes, chronologically, all of your different professional periods.

You can print and download your career record.

You can also perform a simulation of amount from your retirement at different ages, at full or non-full rate, from the data known to your pension funds:

Info Retirement - My retirement account

From 55 years old, you can report to your pension funds any discrepancies in your career statement and request a correction (missing job, inconsistency, etc.) using the service My steps / Correcting my career.

Your pension funds are informed directly.

You can then track their treatment on your retirement account using the service My steps / Follow my requests.

Who can help me?

Find who can answer your questions in your region

  • Retirement insurance - 39 60

    To inform you about your situation, ask a question about your file, access personal information (file tracking, latest payments, etc.).

    By phone

    39.60 (or 09 71 10 39 60 from a mobile, a box or the foreigner)

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