Private sector employee retirement: what is the surcharge?
Verified 01 January 2026 - Public Service / (Prime Minister)
The overcoat is an increase in the amount of your retirement pension that is granted if you retire beyond the minimum age of departure by having one number of quarters of higher pension insurance the number of quarters required to qualify for a full-rate pension.
In this case, your retirement pension is increased according to the number of additional quarters you have.
In the year in which you reach the minimum retirement age, the additional working quarters taken into account are calendar quarters integers following the one in which you reached the minimum retirement age.
Each additional full calendar quarter worked increases your retirement by 1.25%.
The minimum retirement age and the number of quarters of pension insurance required to qualify for a full pension rate vary according to your year of birth under the following conditions:
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) |
For example, you were born on April 15, 1965 and, at age 63, have the 171 quarters required to qualify for a full pension.
If you continue to work until June 30, 2029, your pension will be increased by 1.25% per additional quarter worked.
The year of your 63 years, you will be counted 2 quarters of the 1er July to December 31, 2028. And 2 quarters in 2029.
Your pension will be increased by 5%.
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For further information
Pension insurance - 39 60
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Beneficiaries of the surcharge
Rate of surcharge
Retirement Union Public Interest Grouping
French national old age insurance fund