Early retirement
GPSSA lets an insured person draw a pension before the standard retirement age on either of two named routes, provided a longer period of service is met. Neither route carries a reduction for retiring early — this page explains why, and what each route actually requires.
Two named routes, the same age and service floor
Art. 13(1) opens two named routes to a pension before the standard 60 years, both requiring 30 years of service and age 55 years:
- Early pension — voluntary request, dismissal, or other reasons (art. 13(1)(c), (d), (g)) — covers three distinct circumstances priced identically: dismissal by disciplinary decision or court judgment, the insured’s own voluntary request, or any other reason not listed elsewhere in art. 13(1).
- Early pension — married, divorced or widowed insured woman (art. 13(1)(e)) — the same 30 years/55 years base, reduced per child (see below).
No reduction for retiring early
Neither route carries a monthly reduction for claiming before 60 years. Art. 13(2)-(3) prices both routes on the same formula as an ordinary pension, run over the shorter, actual subscription period — there is no additional percentage cut stacked on top of that, and nothing to restore later since there is no reduction to restore.
The women’s route: fewer years for more children
A married, divorced or widowed insured woman’s 30 years/55 years base is reduced for a fifth child onward:
| Child | Service-period floor | Age floor | Statute |
|---|---|---|---|
| 5th and 6th child, each | −2 years | −3 years | art. 13(1)(e)(a) |
| 7th child, additional | −3.5 years | −4 years | art. 13(1)(e)(b) |
The two reductions are additive — a woman with all seven children reaches the lowest combined age and service floor this route allows.
Next
- Pension age and eligibility — the ordinary route and who the scheme covers.
- How the pension amount is calculated — the same formula both early routes are priced on.