Basic pension of a public official: what difference between the full rate and the maximum rate?
Verified 01 January 2024 - Directorate for Legal and Administrative Information (Prime Minister)
Full-rate and maximum-rate pensions: you've heard about them, but you don't know exactly what they are? We'll explain the difference.
As a civil servantHowever, when you retire, you get a basic pension of the SRE: titleContent, if you are a State official, or CNRACL: titleContent, if you are a territorial or hospital official, and a supplementary pension of the Additional Public Service Pension (PSPR).
We're talking about full rate and maximum rate for basic retirement.
The supplementary pension of the RAFP is a pension by points, that is, your pension contributions are converted into pension points.
And when you retire, your pension points accumulated during your career are converted into a retirement pension.
In the case of the PFRP, we are not talking about a full-rate pension or a maximum-rate pension.
But your supplementary pension from the PFRP is increased according to the number of years between the statutory minimum retirement age and the actual age at which you retire.
If you are a contractual person, you receive a basic pension Social Security Pension Insurance, as a private sector employee, and a supplementary pension of theSupplementary pension institution for non-permanent officials of the State and public authorities (Ircantec).
The conditions for granting a basic full-rate Social Security Pension Insurance pension are the same as for a private-sector employee.
The Ircantec is also a retreat by points.
If you retire before the age of 67 without having a basic full-rate pension from Pension Insurance, the amount of your supplementary pension from Ircantec is reduced.
A full-rate pension is a pension granted without discount.
Your basic pension is granted at a full rate in the following 2 cases:
- You retire with a fixed number of pension insurance quarters all regimes combined
- Or you retire at an age called haircut cancelation age, regardless of how many quarters of pension insurance you have
The number of quarters of pension insurance required to qualify for a full-rate pension and the age at which the haircut is canceled vary depending on whether you are a public servant of active category or sedentary and according to your year of birth.
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You're a sedentary class civil servant
You were born: | You can retire from: | Number of quarters required to have the full rate | Auto Full Rate Age |
|---|---|---|---|
In 1956 | 62 yrs | 166 (41 years 6 months) | 66 years 6 months |
In 1957 | 62 yrs | 166 (41 years 6 months) | 66 years 9 months |
Between 1er January 1958 and December 31, 1960 | 62 yrs | 167 (41 years 9 months) | 67 yrs |
Between 1er January 1961 and August 31, 1961 | 62 yrs | 168 (42 years) | 67 yrs |
Between 1er September 1961 and December 31, 1961 | 62 years and 3 months | 169 (42 years 3 months) | 67 yrs |
1962 | 62 years and 6 months | 169 (42 years 3 months) | 67 yrs |
1963 | 62 years and 9 months | 170 (42 years 6 months) | 67 yrs |
1964 | 63 yrs | 171 (42 years 9 months) | 67 yrs |
1965 | 63 years and 3 months | 172 (43 years) | 67 yrs |
1966 | 63 years and 6 months | 172 (43 years) | 67 yrs |
1967 | 63 years and 9 months | 172 (43 years) | 67 yrs |
From 1er january 1968 | 64 yrs | 172 (43 years) | 67 yrs |
You are an active category civil servant
The conditions for granting a basic full rate pension vary according to your job in the active category.
General case
You were born: | You can retire from: | Number of quarters required to have the full rate | Auto Full Rate Age |
|---|---|---|---|
In 1961 | 57 yrs | 167 (41 years 9 months) | 61 years 6 months |
In 1962 | 57 yrs | 167 (41 years 9 months) | 61 years 9 months |
In 1963 | 57 yrs | 167 (41 years 9 months) | 62 yrs |
Between 1 January 1964 and 31 August 1966 | 57 yrs | 168 (42 years) | 62 yrs |
Between 1er September 1966 and December 31, 1967 | 57 years and 3 months | 169 (42 years 3 months) | 62 yrs |
In 1968 | 57 years and 9 months | 170 (42 years 6 months) | 62 yrs |
In 1969 | 58 yrs | 171 (42 years 9 months) | 62 yrs |
In 1970 | 58 years and 3 months | 172 (43 years) | 62 yrs |
In 1971 | 58 years and 6 months | 172 (43 years) | 62 yrs |
In 1972 | 58 years and 9 months | 172 (43 years) | 62 yrs |
From 1er january 1973 | 59 yrs | 172 (43 years) | 62 yrs |
Reminder
To be eligible for a pension as an active category civil servant, you must have completed at least 17 years in one or more active category jobs.
From 1er January 2024, services performed as a contractor in an active category job during the 10 years prior to your establishment are counted as active services for the acquisition of the early departure right.
Identifier of the Institute of Forensic Medicine of the Prefecture of Police of Paris, sewer
You were born: | You can retire from: | Number of quarters required to have the full rate | Auto Full Rate Age |
|---|---|---|---|
In 1966 | 52 yrs | 167 (41 years 9 months) | 61 years 6 months |
In 1967 | 52 yrs | 167 (41 years 9 months) | 61 years 9 months |
In 1968 | 52 yrs | 167 (41 years 9 months) | 62 yrs |
Between 1 January 1969 and 31 August 1971 | 52 yrs | 168 (42 years) | 62 yrs |
Between 1er September 1971 and December 31, 1972 | 52 years and 3 months | 169 (42 years 3 months) | 62 yrs |
In 1973 | 52 years and 9 months | 170 (42 years 6 months) | 62 yrs |
In 1974 | 53 yrs | 171 (42 years 9 months) | 62 yrs |
In 1975 | 53 years and 3 months | 172 (43 years) | 62 yrs |
In 1976 | 53 years and 6 months | 172 (43 years) | 62 yrs |
In 1977 | 53 years and 9 months | 172 (43 years) | 62 yrs |
From 1er january 1978 | 54 yrs | 172 (43 years) | 62 yrs |
Reminder
To be eligible for retirement as an active category civil servant, you must meet the following conditions:
- Have completed at least 12 years in one or more jobs in the super-active category, half of them consecutively
- Have completed 32 years of effective service
From 1er January 2024, services performed as a contractor in an active category job during the 10 years prior to your establishment are counted as active services for the acquisition of the early departure right.
Prison Service Supervisory Staff, Active National Police Staff
You were born: | You can retire from: | Number of quarters required to have the full rate | Auto Full Rate Age |
|---|---|---|---|
In 1966 | 52 yrs | 167 (41 years 9 months) | 56 years 6 months |
In 1967 | 52 yrs | 167 (41 years 9 months) | 56 years 9 months |
In 1968 | 52 yrs | 167 (41 years 9 months) | 57 yrs |
Between 1 January 1969 and 31 August 1971 | 52 yrs | 168 (42 years) | 57 yrs |
Between 1er September 1971 and December 31, 1972 | 52 years and 3 months | 169 (42 years 3 months) | 57 yrs |
In 1973 | 52 years and 9 months | 170 (42 years 6 months) | 57 yrs |
In 1974 | 53 yrs | 171 (42 years 9 months) | 57 yrs |
In 1975 | 53 years and 3 months | 172 (43 years) | 57 yrs |
In 1976 | 53 years and 6 months | 172 (43 years) | 57 yrs |
In 1977 | 53 years and 9 months | 172 (43 years) | 57 yrs |
From 1er january 1978 | 54 yrs | 172 (43 years) | 57 yrs |
Reminder
To be eligible for a pension as an active category civil servant, you must have completed at least 27 years (including possibly the length of compulsory military service) in one or more jobs in the super-active category.
From 1er January 2024, services performed as a contractor in an active category job during the 10 years prior to your establishment are counted as active services for the acquisition of the early departure right.
Air traffic controller
You were born: | You can retire from: | Number of quarters required to have the full rate | Auto Full Rate Age |
|---|---|---|---|
In 1966 | 52 yrs | 167 (41 years 9 months) | 58 years 6 months |
In 1967 | 52 yrs | 167 (41 years 9 months) | 58 years 9 months |
In 1968 | 52 yrs | 167 (41 years 9 months) | 59 yrs |
Between 1 January 1969 and 31 August 1971 | 52 yrs | 168 (42 years) | 59 yrs |
Between 1er September 1971 and December 31, 1972 | 52 years and 3 months | 169 (42 years 3 months) | 59 yrs |
In 1973 | 52 years and 9 months | 170 (42 years 6 months) | 59 yrs |
In 1974 | 53 yrs | 171 (42 years 9 months) | 59 yrs |
In 1975 | 53 years and 3 months | 172 (43 years) | 59 yrs |
In 1976 | 53 years and 6 months | 172 (43 years) | 59 yrs |
In 1977 | 53 years and 9 months | 172 (43 years) | 59 yrs |
From 1er january 1978 | 54 yrs | 172 (43 years) | 59 yrs |
Reminder
To be eligible for a pension as an active category civil servant, you must have completed at least 17 years in one or more active category jobs.
From 1er January 2024, services performed as a contractor in an active category job during the 10 years prior to your establishment are counted as active services for the acquisition of the early departure right.
If you retire before the haircut cancelation age without having the number of quarters of pension insurance required to qualify for a full-rate pension, your pension amount is reduced based on the number of quarters you miss.
This reduction is called discount.
FYI
If you have the necessary number of quarters but spread over different basic pension plans, your SRE or NRACL basic pension is calculated based on the number of quarters you have in that plan. Your other pensions are too, but you don't have a discount.
You can have a basic pension at a full rate and not have a pension at the maximum possible rate.
The amount of your SRE or NACL basic pension depends on your last gross index salary held for at least 6 months
But it also depends on the number of quarters of pension insurance validated by the SRE or the CNRACL and taken into account for the calculation of your pension.
The quarters used to calculate your pension are called liquidatable quarters.
For example, part-time quarters are fully taken into account for the calculation of the duration of insurance, but for the calculation of the pension they are taken into account for their actual duration.
5 years completed at 80% count 5 years (20 quarters) for the calculation of your insurance term but 4 years (16 quarters payable) for the calculation of your pension.
Your full-rate retirement pension is calculated as follows:
Last Gross Index Processing x 75% x Your number of quarters payable / The number of quarters of pension insurance required to have a full rate pension
If your number of liquidatable quarters is less than your number of insurance quarters, your pension amount will not be the maximum possible.
Example :
If you are a sedentary class public servant, born in 1962, to have a full rate pension, you must either have 169 quarters (42 years 3 months) of all plans, or wait until you are 67 years old.
If you retire before age 67 with 169 quarters of SRE or NACL pension insurance, your full rate pension is:
Last Gross Index Processing x 75% x 169 / 169
You have the maximum possible rate.
If you retire at age 67 with only 165 quarters, your retirement is equal to:
Last Gross Index Processing x 75% x 165 / 169
Your retirement is indeed a full rate pension no discount but you're not collecting the maximum amount possible.
You can create a pension account on the official website Retirement Info.
On your pension account, the service My Retirement Estimate allows you to simulate your retirement amount at different starting ages.
This service offers you 2 ways to get a simulation of your pension amount:
- Or by directly accessing your estimate from data known to your pension funds
- Either by checking your situation and completing it, if necessary
The results indicate, for each starting age, the number of quarters and the possible monthly pension amount.
Amounts shown are gross, but net amounts before tax can be viewed.
For each proposed starting age, you can get the composition of your pension amount: for example, the amount of your basic pension and the amount of your supplementary pension.
You can simulate different starting ages than those proposed.
Once the results are displayed, you can go further in customizing by changing elements of your past situation (for example, periods to complete) or future situation (for example, the evolution of your index processing or a change in your activity rate).
Who can help me?
Find who can answer your questions in your region
If you are a state official
State Pension Service (SRE)If you are a territorial or hospital official
National Pension Fund for Local Government Officials (CNRACL)
Supplementary pension institution for non-permanent officials of the State and public authorities (Ircantec)