Reduced Old-Age Pension at 62 (4,500 days)

IMPORTANT: the reduced pension at 62 only applies if your former fund's statutory rules provide for it — it is not an automatic right. You also need a recent “insurance link”: at least 100 insured days per year within the 5 years before the year of your application or before the year you turned 60 (500 days total), if you were first insured before 1/1/1993. Some routes, e.g. with days in heavy and unhealthy occupations, need no days in the last years. For those first insured from 1/1/1993 onwards, the threshold may be higher (up to 750 days) — an indicative figure; confirm it with e-EFKA. The amount is reduced by 1/200 for each month short of 67 (up to a 30% reduction at 62).