Pour bénéficier d’une pension de retraite à taux plein, il est nécessaire d’avoir atteint l’âge légal requis et surtout de justifier d’un certain nombre de trimestres de cotisations (ces deux critères étant déterminés en fonction de votre année de naissance). S’il vous en manque, soit vous continuez à travailler pour les obtenir, soit vous les rachetez. Dans ce dernier cas, il est possible, sous conditions, de racheter certaines périodes pendant lesquelles vous n’avez pas ou peu cotisé. Sont concernées les années d’études supérieures et les années civiles incomplètes. Étant précisé que le rachat de trimestres permet de valider ces années dans la limite de 4 trimestres pour la même année civile et de 12 trimestres au total.
Le coût d’un rachat dépend notamment du nombre de trimestres rachetés, de votre âge au moment où il s’effectue, de vos revenus professionnels des 3 années civiles qui précèdent la demande.
Précision : ce dispositif de rachat s’adresse aux assurés âgés d’au moins 20 ans et de moins de 67 ans à la date de la demande et qui n’ont pas encore fait liquider leur retraite.
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