Applying for retirement after age 67: what consequences on the amount of retirement?
Verified 01 January 2026 - Public Service / Directorate of Legal and Administrative Information (Prime Minister)
If you apply for retirement after age 67, this may allow you to increase the amount of your retirement.
Indeed, if you postpone your retirement application beyond the age of 67, you can benefit from a increase your insurance term (i.e. your number of quarters) with the Pension Insurance equal to 2.5% for each quarter past the age of 67.
You can benefit from this device provided that, at 67 years of age, they do not have the number of quarters required to receive a maximum pension rate.
Increasing your duration of insurance with Retirement Insurance allows you to benefit from a higher pension amount from Retirement Insurance.
Indeed, the amount of your pension from the Pension Insurance depends on your total number of quarters of pension insurance, all plans combined and, of that total number of quarters, of number of quarters validated with Retirement Insurance.
The retirement pension of the Pension Insurance is calculated as follows:
Average annual salary of your 25 best years x 50% x (Your number of quarters validated with Retirement Insurance / Your total number of quarters all plans combined)
The closer your number of quarters validated with Retirement Insurance is to your total number of quarters, all plans combined, the higher the amount of your pension and the closer to half your average annual salary.
Quarters taken into account beyond the age of 67 are deducted from 1er day of the month following your 67e birthday (or from your birthday if you were born on 1er day of one month) until the date fixed for the starting point of your pension.
The increase of 2.5% is granted whether you continue your professional activity or not. It is based solely on the number of quarters after age 67.
Example :
If you were born in 1964, you are entitled to a full pension:
- From 62 years and 9 months if you have 170 quarters all plans combined
- Or at 67 regardless of your number of quarters.
If at age 67 you have less than 170 quarters (for example only 160 quarters), you can wait before applying for retirement.
An additional quarter after age 67 increases your insurance term by 4 quarters (160 x 2.5%).
If, at age 67, you already have 170 terms, you can not benefit from an increase in the duration of insurance 2.5% but you can keep working to get a overcoat.
The number of quarters required to qualify for a full pension before age 67 varies according to your year of birth:
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) |
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