Persons who have fulfilled the contribution obligation are entitled to an ordinary pension. The contribution period determines whether a full or partial pension can be paid. The contribution period is complete if the contribution obligation has lasted 44 years, from the age of 21 until the reference age (formerly: “ordinary retirement age”). For women born between 1961 and 1964, this is between 43 and 44 years.
The contribution period is considered incomplete if there are fewer than 44 contribution years. This results in contribution gaps. This results in a partial pension being paid out. The reduction is 1/44 for each missing contribution year.