Contribution period

The contribution period and the relevant average annual income are the key elements for calculating your old-age pension. For old-age pensions, the full contribution period for men and women is 44 years. Those with full contribution records have a right to a full pension. If there is a gap in your contribution record, you only have a right to a partial pension. Every missing contribution year results in a reduction in the pension (1/ 44 per year). Following the gradual increase in the reference age for women to 65 (AHV 21 reform), the full contribution period for women will also be 44 years.