Insured persons under the general social security scheme aged 20 to 66 inclusive who wish to increase the duration of insurance for retirement may redeem periods of contributions, corresponding to higher education years or incomplete contribution years (less than 4 quarters). It is also possible for certain apprenticeship periods, for childminders who have worked between 1^er january 1975 and december 31, 1990 or for the children of harkis.

It is possible to buy back a maximum of 12 quarters. The cost of the quarters depends on the applicant's annual salary or income, age, and the option chosen (insurance rate and duration or rate alone). The National Pension Insurance Fund has updated this scale for the year 2023 in a circular published on 21 december 2022.

Two types of redemption are possible:

• the rate of calculation of the retirement pension (which reduces or cancels the discount); or
• or in respect of the rate and duration of insurance used for the calculation of retirement. These quarters cost more to buy back.

The cost of the quarter buy-back depends on:

• your age;
• the type of redemption (rate alone or rate + duration of insurance);
• professional income subject to contributions from your last 12 months of activity.

You can consult the scale for applications filed in 2023.