If you retire before age 67, in principle you can only claim “full” retirement if you meet the number of quarters required to benefit from a full pension: 167 quarters if you were born in 1958, 1959 or 1960, 168 quarters if you were born in 1961, 1962 or 1963 … At cruising speed as the year of retirement, the counting of quarters is not done from date to date from the quarters actually worked but on the basis of contributions deducted from your salaries or paid to your pension fund.
The rule is as follows: it suffices to have contributed on the basis of a salary at least equal to 1,537.50 euros in 2021 to validate one quarter, 3,075 euros to validate two, 4,612.50 euros to validate one. 3 and 6,150 euros to validate 4 (the “maximum” possible). For a person paid above the social security ceiling (3,428 euros per month in 2021), a little less than two months of work is enough to validate 4 quarters!
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Except that the last year, it is not possible to validate more quarters than whole calendar quarters elapsed. In other words, even if the “last year” you have contributed enough to validate a quarter, you will not actually get one more quarter unless you ask to receive your retirement from April 1st. To obtain two, three or four additional terms, you will have to wait until July 1, October 1 or January 1 of the following year.
Another specificity of the last year: to take the average of “your 25 best years”, we do not take into account the salaries or income received in the year of the starting point of your retirement payment when you retire during your retirement. ‘year. Consequence: if you were counting on your last year of activity to “boost” your average annual salary or income, it would be in your interest to request the payment of your retirement pensions from January 1 of the following year. This will allow you to erase the worst of your “25 best years” and replace it with the salaries or income received during your last year of activity.
>> Our complete guide to future retirees. How to prepare for retirement from the start of your career? When should you leave? What are the steps to take?
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