Full-rate basic retirement pension of the employee

Verified 14 August 2026 - Public Service / (Prime Minister)

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

One full rate pension 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 based on the number of quarters you miss. This reduction is there haircut.

FYI  

The minimum retirement age is lowered by one year if you were born from 1er April 1965 and if you benefit from at least 1 quarter of increase in the duration of insurance as a parent for any of the following reasons:

  • Increase in the duration of insurance by 4 quarters allocated to women, for each child, in return for the impact on working life of the maternity or reception of an adopted child and the steps prior to this reception
  • Increase in the period of insurance by 4 quarters allocated to the father or mother, for each minor child, in return for the child's education during the 4 years following the birth or adoption
  • Increase in the duration of insurance by one quarter per 30-month education period of a child with a permanent disability of 80% under 20 years of age
  • Increase in the duration of insurance equal to the actual duration of parental education leave.

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 the 1er January 1958 and December 31, 1960

62 years

167 (41 years 9 months)

Between the 1er January 1961 and August 31, 1961

62 years

168 (42 years)

Between the 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 the 1er January 1963 and March 31, 1965

62 years and 9 months

170 (42 years 6 months)

Between the 1er April 1965 and December 31, 1965

63 years

171 (42 years 9 months)

1966

63 years and 3 months

172 (43 years)

1967

63 years and 6 months

172 (43 years)

1968

63 years and 9 months

172 (43 years)

From 1er January 1969

64 years

172 (43 years)

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, it 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 67, 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-rate pension before age 67, no discount is applied to the amount.

You can benefit from a full-rate retirement before age 67, regardless of your number of quarters of retirement 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 in a personalized and free on your career, to get simulations of 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 Retirement Info website in your retirement account using the service My career / My pension plans :

Info Retirement - My retirement account

Full-rate retirement at age 65

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

Full-rate retirement at age 62

You are entitled to a full pension from age 62 if you are recognized as unfit for work.

Full-rate retirement at age 60

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

Full-rate pension from 58 years

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

Full-rate pension from 55 years

You are entitled to a full pension at the earliest from 55 years if you have worked with a disability 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 statement 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 statement.

You can also perform a simulation from amount from your retirement at different ages, with or without a full rate, based on the data known to your pension funds:

Info Retirement - My retirement account

From 55 years, you can report to your pension funds any anomalies 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 / Track my requests.

Who can help me?

Find who can answer your questions in your region

  • Pension insurance - 39 60

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

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

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