Pension before 62: who can still make it by applying before the end of 2026

In short: if you were first insured before 1993 and had "locked in" the requirements in earlier years, you may be able to retire before 62, with an age limit from 58.5 to 62. The application can be made until the end of 2026.

It concerns 16 categories of long-standing insured persons in the public sector, IKA, the funds of public utilities and banks, the press funds and the Lawyers' Fund. We have gathered them in a simple form.

Public sector: 8 cases

1. Parents with a minor child and 25 years of service in 2011, who turned 52 by October 2018: pension with an age limit from 58.5 to 60 years and 2 months.
2. Parents with a minor child and 25 years of service in 2012: those who turned 55 in 2018 retire on a full pension at 61. Those who turned 55 in 2019, at 62 and 6 months.
3. Mothers of three with 20 years of service by 2010: full pension with no age limit, whenever they apply.
4. Parents of three with 21 years in 2011: full pension with the limit in force in the year they turn 52.
5. Parents of three with 23 years in 2012: full pension with the limit in force in the year they turn 55.
6. 25 years of service by 2010 and age 55 (women) or 60 (men) by 2022: reduced pension at any time.
7. 25 years of service in 2011 or 2012 and age 56 or 58 respectively by 2022: reduced pension at any time.
8. 25 years of service by 2010, 58 years old and 35 years of service by 2021: full pension at 61 and 6 months. The same applies to 25 years of service in 2011, but with 36 years in total by 2021.

IKA and special funds: 8 cases

1. Mothers insured with IKA with a minor child and 5,500 days of insurance by 2011, who turned 50 or 52 by 2020: reduced pension in 2026, with an age limit from 58.5 to 62.
2. Mothers with 5,500 days of insurance and a minor child in 2012, who turned 55 by 2019: reduced pension from 59 years and 6 months up to 62.
3. Mothers in public utilities and banks with 25 years of service by 2011 and a minor child: if they turned 50 or 52 by 2017, full pension with a limit of up to 58.5. For 2017–2019 the limit rises to 61 and 1 month.
4. Mothers in public utilities and banks with 25 years of service in 2012 and a minor child: if they turned 55 by 2018, full pension up to 61. With 55 in 2019, from 62 and 6 months upwards, unless they have 40 years, in which case at 62.
5. Mothers of three in public utilities and banks: with 20 years of service by 2010 they retire with no age limit. With 20 years in 2011 or 2012, the limit is from 58.5 to 62 and 6 months, depending on when they turned 52 or 55.
6. Mothers in ETAP-MME (TSPEATH) with a minor child and 15 years of service by 2012, who turned 50–52 by 2019: pension from 58.5 to 61 and 10 months.
7. Mothers in the Lawyers' Fund with a minor child in 2010 or 2011 and 21.5 or 22 years of insurance respectively, who turned 50 or 55 by 2019: pension with a limit below 62.
8. Persons insured before 1982 in special funds (public utilities, banks, press) with 35 years of service by 2021: pension at 61 and 6 months. If the 35 years are completed later, the limit goes to 62 and 40 years are required.

How we help you

If you recognise yourself in any of the cases above, do not leave it for December. The dates and days of insurance must be checked one by one, because a small difference changes the age limit or the amount.

Leave us a message and we will call you and together we will see which category you belong to and when it is in your interest to apply.

This article is for information only and does not replace a check of your personal insurance file.