Retirement: how do you know the number of requirements you have validated?

Depending on the year of birth and profession, we do not validate the same number of terms. (©Agnès Esteves-Dasilva)

Meanwhile, Elisabeth Borne must speak this Tuesday, January 10, 2023 to presented a bill on pension reform which was highly controversial, many people are already wondering about their future retirement. And who is trying to pretend how many quarters they are already registered.

What are trimesters?

Because it is indeed a quarter that allows for validating the work year which is then calculated to find out at what legal age You can pretend to leave.

As a reminder, a quarter is insurance period settlement units used in most basic pension plans. After four validated quarters (maximum), you have validated one calendar year for retirement.

The quarter validation doesn’t depend on the actual uptime but rather income received, and more precisely the amount of income subject to contributions. In order to validate a quarter, you must receive a certain income.

In 2022, you must have felt at least 1585.50 euros to validate a quarter. Within the civil service and special regimes, a quarter is validated differently: a quarter corresponds to a 90-day period of activity.

To validate a quarter of a pension, you must receive during that year a salary subject to representative contributions at least 150 times the Smic amount per gross hour (growth minimum wage). Therefore, this amount changes every year according to the revaluation of the minimum wage.

What is the difference between public and private calculations?

You should know that retirement pension calculations differ depending on whether you are on the general scheme (private employee) or official (public sector employees). Full pension rates vary: 50% in the private sector, 75% for civil servants and 100% for liberal professions.

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In the area personalthe calculation is as follows:

  • Average annual salary (best 25 year average) X retirement rate (50% if all quarters have been validated) X (Employee insurance duration / Reference duration for full retirement) = My gross retirement pension amount per year

An example to understand everything

As an example, let’s take Mr. Dupond, who has worked all his life at personal. He was born in 1966 and for his best 25 years he earned, on average, 40,000 euros per year. Mr Dupond wants to leave at 62, the legal age (before Ed’s reforms). To do this, he must validated 169 quarters, which he did.

Therefore the calculation is as follows: 40,000 X 50% X (169/169) = 1666.7.

Average annual salary for the best 25 years multiplied by the rate (50%, because it’s in the private sector), divided by the number of quarters validated by the number of quarters required. The proceeds therefore provided the pension that Mr. Dupond would receive each month.

In audience, the formula is different, because the last six months salary is taken into account to determine the reference salary. Then the calculation is as follows:

  • Last 6 months salary X retirement rate (75%) X (Employee insurance duration / Reference duration for full retirement) = My gross retirement pension amount per year.

How do I know how many terms I have validated?

As a reminder, according to his ageYou must validate a certain number of quarters to benefit from a full-rate (meaning no discount) basic pension.

Here are the trimester reminders for validation by year of birth, below:

  • 1955 – 1957 : 166 quarters (41 years two quarters)
  • 1958 – 1960 : 167 quarters (41 years three quarters)
  • 1961 – 1963 : 168 quarters (42 years)
  • 1964 – 1966 : 169 quarters (42 years one quarter)
  • 1967 – 1969 : 170 quarters (42 years two quarters)
  • 1970 – 1972 : 171 quarters (42 years three quarters)
  • From 1973 : 172 quarters (43 years)

To simulate your recorded quarter count, there are some simple solutions. You can create an account on the official website, which brings together 35 mandatory pension schemes in Franceand will allow you to calculate your retirement entitlements.

You can login with your account FranceConnect (or without, but you will have access to limited offers) and fill in their personal information. You can also visit the website

Both of these sites allow you to access Career record with all the places acquired from the very beginning of your professional activity. On, all you have to do is log in, then enter your number of children, whether you work in the private or public sector, or whether you depend on a particular scheme, and finally your income. .

Then, the site allows simulate the number of terms that have been obtained and which has yet to be validated, because it has recorded all periods of your professional activity.

It then tells you your different initial choices, by legal age (currently 62), age at full rate and age at full rate automatically, taking into account quarters recorded, according to income received. Therefore, this site allows you to see how many quarters you have logged since the beginning of your career, how many quarters it took to leave at age 62 (the legal age), and how many quarters you have lost to exit at full rate.

This site allows you to understand the age at which you can claim your rights (understand my possibility to leave), validate your residency (understand my rights) and the indicated amount (understand my amount), by clicking on the various tabs provided.

You can also consult your career statement, and check your various recording periods:

  • In the green : all activities recorded by your retirement plan (work, unemployment for example) are shown in green. Periods of inactivity (eg illness, disability) are also shown here.
  • In the orange : incomplete period. For the same year, the site has information for certain months (activity, unemployment, for example) but not for others.
  • In the red : period without information. The site did not find any recorded activity for more than three months during this period.

What type of trimester counts?

At retirement, different types of trimesters are taken into account.

  • Quarter rated : they bring up the payment of contributions.
  • The so-called assimilated trimester : they correspond to periods of work interruption (sick or maternity leave, unemployment, disability, military service, or industrial accidents for employees)
  • The so-called given trimester : they are validated for you if you have or are raising one or more children, or if you have a disabled adult in your care…)

These quarters are calculated the same in terms of insurance duration.

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