If you began your career early, you may qualify for a special 'long career' status that enables early retirement. This requires meeting specific conditions on age and pension insurance quarters contributed across mandatory basic schemes. Here's a clear breakdown based on official Retirement Insurance guidelines.
The standard legal retirement age ranges from 60 to 62, depending on your birth year, across most pension plans. However, for employees, self-employed workers, or civil servants with a long career, you can retire earlier.
To qualify, you must meet these three key conditions:
These thresholds vary by your birth date, desired retirement age, and start age. For instance, if born in 1959 and retiring at 60, you need at least 167 contributory quarters, plus 5 quarters by year-end age 20 (January-September births) or 4 quarters (October-December).
Check the official summary table on the Retirement Insurance site tailored to your profile.
Certain non-working periods also count as contributory quarters: maternity leaves with daily allowances, C2P increases for hardship exposure, sick leave or temporary incapacity (max 4 quarters), compensated unemployment (max 4), disability pension (max 2), or national/civil service (max 4).
If you started before 20, review your career statement in your Retirement Insurance personal account to confirm eligibility.
Long career workers can retire before the legal age via early retirement provisions.
Request a long career early retirement certificate from your pension fund—required for your application and available up to 6 months before your target start date.
You'll also receive a full-rate pension automatically due to sufficient quarters.
Otherwise, pension calculation follows the standard formula:
Average annual salary x pension rate x (duration of employee insurance under the general scheme / reference duration for obtaining a full-rate pension).
