How many quarters does an employee need to have to benefit from a full pension?
Verified 01 January 2026 - Public Service / Directorate of Legal and Administrative Information (Prime Minister)
If you retire before age 67, you are entitled to a pension at full rate if you have sufficient number of quarters of pension insurance.
This number of quarters varies according to your date 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) |
FYI
If you have worked under other statutes than employee (public official, self-employed, etc.) and if you have consequently contributed to several 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 retire before age 67 without having the required number of quarters, you have not right to a pension at full rate. The amount of your pension is then subject to a haircut, that is to say that it is reduced based on the number of quarters you are missing.
If you retire at age 67, you have right to a retirement at full rate, regardless of your number of quarters of pension insurance. The discount is not applied to the amount of your pension.
You can find out how many quarters of pension insurance you have by consulting your career record in your retirement account, available on the official website Info Retraite.
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 the amount of your pension at different ages, at full or non-full rate, based on the data known to your pension funds.
Info Retirement - My retirement account
From the age of 55, you can report to your pension funds the abnormalities of your career record and request its correction (missing job, inconsistency, etc.) using the service My steps / Correcting my career.
Your pension funds are informed directly.
You can follow the processing of your application on your retirement account using the service My steps / Follow my requests.
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Retirement insurance - 39 60
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