This chapter gives details of the pension benefits provided to people who reach the standard retirement age and have completed the minimum period of contribution to the public pension system.
The benefits described are:
- old-age pensions (pensie pentru limită de vârstă);
- early retirement pensions (pensie anticipată);
- partial early retirement pensions (pensie anticipată parțială).
In what situation can I claim?
Old-age pensions (pensie pentru limită de vârstă) are granted to people who have reached the standard retirement age and have completed the minimum period of contribution to the public pension system.
Early retirement pensions (pensie anticipată) may be granted, up to 5 years before the standard retirement age, to persons who have completed a contribution period that is at least 8 years longer than the full contribution period.
Partial early retirement pensions (pensie anticipată parțială) may be granted, up to 5 years before the standard retirement age, to persons who have completed the full contribution period, and persons who have exceeded the full contribution period by up to 8 years.
Persons born after 1 July 1971 who contribute to the state pension system are required to contribute to a privately-administered pension fund. Persons born between 1 July 1961 and 1 July 1971 who contribute to the state pension system may optionally contribute to a privately-administered pension fund.
What conditions do I need to meet?
To receive an old-age pension, a person must have reached the standard retirement age and must have contributed to the public pension system for a certain minimum period.
As at 1 January 2022:
- The standard retirement age for women is 61 years and 9 months and will increase gradually to 63 years by January 2030.
- The standard retirement age for men is 65 years.
- The minimum contribution period is 15 years for both women and men.
- The full contribution period for women is 31 years and 9 months and will increase gradually to 35 years by January 2030.
- The full contribution period for men is 35 years.
Persons who have completed the full contribution period are entitled to an old-age pension at the reduced standard age if they have completed contribution periods in working conditions other than normal conditions, namely:
- in special or difficult working conditions;
- in the former groups I and II, which existed until 1 April 2001.
In accordance with specific criteria laid down by law, reductions of the standard retirement ages are also granted to politically-persecuted persons, the blind and the disabled.
Non-contributory periods, such as periods when child-raising leave, invalidity pension or temporary work incapacity benefit were paid, full-time university courses attendance (on condition of graduation), and conscript service or periods served as enlisted, mobilised or prisoner of war are counted when calculating old-age pensions and old-age pensions granted at a reduced standard age.
What am I entitled to and how can I claim?
In the public pension system, the amount of old-age pension is calculated on the basis of the contribution period achieved along the applicant's career, the level of income that was used to calculate social insurance contributions, and the value of a pension point (i.e. RON 1,586 since January 2022).
This pension is calculated on the basis of a system of points, which are monthly calculated by dividing the gross wage or insured income of the applicant to the gross average wage earned at national level which is reported by the National Institute for Statistics for each month.
For persons who have completed the full contribution period or a longer period, the pension amount obtained by applying the calculation formula will be greater than for persons who have completed a shorter contribution period.
Early retirement pensions and partial early retirement pensions
The amount of an old-age pension at the reduced standard age, early retirement pension or partial early retirement pension is calculated in the same way as an old-age pension, except that for partial early retirement pensions, the amount of which is reduced by different percentages depending on the number of years exceeding the full contribution period and the number of months before the standard retirement age.
On the date when the standard retirement age is reached, both early retirement pensions and partial early retirement pensions automatically become old-age pensions, and the penalty applied to partial early retirement pensions is lifted.
Income tax is payable on pensions with a value exceeding RON 2,000. It is calculated only for that part of the pension that exceeds RON 2,000 and, as the case may be, after deducting the health insurance contribution. Health insurance contribution is levied on pensions exceeding RON 4,000/month. It is calculated only for that part of the pension that exceeds RON 4,000.
To receive a pension benefit, all persons must submit a retirement application to the territorial pension authority within whose catchment area they live or are resident. Applications must be accompanied by documents proving that the specific conditions for the type of pension requested have been met.
Persons who have contributed to a privately-administered pension fund must request the benefit from the fund to which they have contributed. The total amount that they can receive cannot be less than the amount of the contributions paid, after deducting transfer charges and legal fees.
All of the pension types described above are paid monthly, by postal order or bank transfer, into the personal current account or card account of the recipient, depending on his or her preference.
- Full contribution period: period over which insured persons owed and paid contributions entitling them to receive full pension rights. It is stipulated by law and is different for women and men.
- Person who is insured under the pension system: an individual for whom an employer is obliged to withhold and pay social insurance contributions, an individual who earns income from self-employment or intellectual property rights or, in other cases, a person who pays social insurance contributions on the basis of a voluntary social insurance contract.
- Workplaces with special conditions: workplaces where the level of exposure to occupational risk factors or conditions specific to certain categories of public services, for the entire duration of normal working time, may lead over time to occupational illnesses or hazardous working behaviours, with consequences for the safety and health at work of insured persons.
- Workplaces with difficult conditions: workplaces where the level of exposure to occupational risk factors or conditions specific to certain categories of public services, for at least 50% of normal working time, may lead over time to occupational illnesses or hazardous working behaviours, with serious consequences for the safety and health at work of insured persons.
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Who do you need to contact?
Casa Națională de Pensii Publice (CNPP)
Str. Latină nr. 8, sector 2
Tel. + 40 800826727