Claiming your pension
The statutory age that only reaches 64 from the 1969 cohort, the reduction that strikes twice — on the rate and on the pro-rating —, and the second tier worth a third of the income. Three modules on a 164-quarter career where eight missing quarters cost 189.15 € a month for life. All the prose is free to read; the case study and quizzes are sold.
Foundational3 modules25 minModule 1 free to read
2026 rules — verified on September 8, 2026
Figures are tied to dated, sourced tax constants. A module whose rules have changed is flagged for review, and is unpublished automatically beyond 90 days.
This content is part of the path: Preparing and drawing my pension· Step 1 of 8· Next step: Retirement age and quarters calculator
By the end of this course, you can…
These outcomes are the modules' own: the promise cannot say anything the course does not teach.
- Tell the statutory retirement age from the required contribution period.
- Place the statutory age and the number of quarters by birth year.
- Remember the age at which the full rate is obtained regardless of duration.
- Understand that the two conditions are cumulative before 67.
- Identify the early departures that escape the statutory age.
- State the basic pension formula and its three factors.
- Compute a reduction from a number of missing quarters.
- Understand that a shortfall of quarters affects two distinct factors.
- Place the increase for working on and its rate per extra quarter.
- Spot the pension ceiling and the contributory minimum.
- Understand how points are acquired and the part played by the reference salary.
- Compute a complementary pension from a number of points.
- Place the two contribution bands and their rates.
- Remember the rate and conditions of the survivor's pension.
- Check the resource ceilings of the survivor's pension.
The programme, module by module
Each module has its own page. Durations are derived from the actual text, never announced by hand.
- Module 19 minFree — no accountTwo conditions, and it is the second that decidesWhat you will be able to do
- Tell the statutory retirement age from the required contribution period.
- Place the statutory age and the number of quarters by birth year.
- Remember the age at which the full rate is obtained regardless of duration.
- Understand that the two conditions are cumulative before 67.
- Identify the early departures that escape the statutory age.
- Module 29 minIncluded in the full courseThree factors, two of which decline togetherWhat you will be able to do
- State the basic pension formula and its three factors.
- Compute a reduction from a number of missing quarters.
- Understand that a shortfall of quarters affects two distinct factors.
- Place the increase for working on and its rate per extra quarter.
- Spot the pension ceiling and the contributory minimum.
- Module 38 minIncluded in the full courseThe second tier, and what is left to the spouseWhat you will be able to do
- Understand how points are acquired and the part played by the reference salary.
- Compute a complementary pension from a number of points.
- Place the two contribution bands and their rates.
- Remember the rate and conditions of the survivor's pension.
- Check the resource ceilings of the survivor's pension.
What you take away
A handout you keep, not just a page you read. The sections are derived from the course itself: what is announced here is exactly what gets generated.
Participant handout (PDF)
PDF
- Learning objectives (3)
- Key figures (3)
- Mistakes to avoid (3)
- Official sources (3)
Exercise workbook (Word)
Word
- Learning objectives (3)
- Key figures (3)
- Mistakes to avoid (3)
- Official sources (3)
Answers live in a separate appendix: the participant handout and the workbook stay distributable before the exercise.
Or unlock everything with the pack at €29.00/month incl. VATCalculator reports, form documents and full courses, cancel any time.
Already purchased? Download your handouts
Where this course leads
A course that leads neither to a calculator nor to a form cannot be published: this block is the visible counterpart of that rule.
Run the numbers
The linked calculators apply this course's rules to your own figures — for free.
Go further
The courses that follow on from this one.
Educational content, current with the sources cited. It does not replace advice tailored to your situation. These courses are neither certifying nor CPF-eligible: they prepare for no certification registered with the French RNCP or specific register.