Retirement
Retirement pension

Retirement marks the end of active service and the granting of a pension to the subscriber. Learn about the main criteria and applicable procedures: entitlement to retirement pension and method of calculation.

2026-04-13

Definition

Retirement pension is the benefit granted to the scheme members (either active or deferred) that, having met the qualifying conditions, cease to be civil servants / employees.

Retirement can be due to:

Employees' request, when he meets the voluntary retirement qualifying conditions;
Incapacity;
Age limit;
Special regulations.

Entitlement to a retirement pension depends on a period of membership of 5 years minimum.

Retirement can either be claimed by the member - voluntary retirement -, or imposed by law (age limit) or by employer' decision - compulsory retirement.

Voluntary retirement can be qualified as early retirement.

Pedido de aposentação

Caso se encontre no exercício de funções, em licença sem vencimento ou em situação de baixa, o pedido de aposentação é efetuado através do serviço de que depende.

Caso seja ex-subscritor, o pedido é efetuado pelo próprio através do formulário Mod. CGA05 disponível no serviço autenticado da CGA Directa.

Entitlement to retirement pension

A retirement pension is granted when the scheme member meets one of the following conditions:

15 years of service and the normal retirement age (INAPV), of 66 years and 9 months (2026);
The personal retirement age (IPAPV), according to Table I (INAPV is reduced 4 months for each year of service above 40 years), with the minimum of 60 years:

Quadro I - Idade pessoal de acesso à pensão de velhice
Tempo de serviço (anos)	Idade pessoal de acesso à pensão de velhice
=> 41 e <42	66 anos e 5 meses
=> 42 e <43	66 anos e 1 meses
=> 43 e <44	65 anos e 9 meses
=> 44 e <45	65 anos e 5 meses
=> 45 e <46	65 anos e 1 meses
=> 46 e <47	64 anos e 9 meses
=> 47 e <48	64 anos e 5 meses
...	...

At least 5 years of service (contributory service within European Union or in Portuguese private workers pension scheme is considered for this purpose) and:
- Age limit (normally 70 years);
- Permanent incapacity for work;
- Punishment with the penalty of compulsory retirement;

An early retirement pension (voluntary type of retirement) is granted when the scheme member meets one of the following conditions:

Had, at least, 36 years of service during 2005 (accrued rights);
Is, at least, 60 years old, as long as he had served 40 years before his 61st anniversary (new);
Is, at least, 55 years old, as long as he had served 30 years until his 55th anniversary (old) – only scheme members that cannot apply for the new are eligible;
Is, at least, 60 years old and has served for 48 years, regardless of scheme affiliation age (long career 1);
Is, at least, 60 years old and has served for 46 years, if the scheme affiliation occurred under the age of 17 (long career 2);
Is able to retire before reaching the normal or personal retirement age under a special scheme;
Is, at least, 60 years old and has had, during the last 15 years or more of his working contributory career, and still has a disability of 80% or higher.

Deferred scheme members can only apply for early retirement if they have, at least, 5 years of membership and as long as they don’t meet the retirement entitlement conditions of any other mandatory pension scheme.

Retirement pension scheme

The voluntary retirement pension not related to incapacity (such as the early retirement due to disability) is granted according to:

The pension scheme rules at the time of pension claim submission and the member situation at the time the final decision concerning the retirement pension is taken.

In the other situations, the retirement pension is granted according to the pension scheme rules and the member situation at the time (scheme meaningful moment):

The scheme member reaches the age limit (70 years);
The scheme member is found permanent and totally unable for his work by CGA medical committee;
The member is punished with the penalty of compulsory retirement.

After that moment, nor membership period or salary changes will be considered for pension calculation (not scheme meaningful).

Princípio do tratamento mais favorável

Se entre a data da receção do pedido e aquela em que o mesmo seja decidido forem reunidas condições ao abrigo de outra modalidade de aposentação nova ou preexistente e a pensão calculada com base nesta for de valor mais elevado, será esta a atribuída, nos termos do princípio do tratamento mais favorável, aplicando-se no futuro as regras próprias dessa modalidade para todos os efeitos, sem possibilidade de alteração.

Se o subscritor pertencer a categoria profissional abrangida por regime especial em matéria de condições de aposentação ou reforma ou em matéria de regras de cálculo ou atualização da pensão, apenas pode aposentar-se por uma das modalidades do Estatuto da Aposentação se, não querendo ou não podendo beneficiar das regras próprias do seu estatuto, renunciar expressa e definitivamente ao regime especial, para todos os efeitos, antes de a pensão ser atribuída.

Nenhum subscritor pode beneficiar da aplicação cruzada de regras ou parâmetros, nomeadamente idade e tempo de serviço, de mais do que uma modalidade, geral ou especial.

Scheme meaningful job

Civil servants retire upon their last job.

The first part of the retirement pension (P1) of the civil servants appointed before 1993-09-01 (related to the time of service before 2006-01-01) is, in principle, calculated upon the salary of the job the member had at 2005-12-31.

However, there are some situations in which the pensionable remuneration is:

The average of pensionable remuneration over the last 2 years (2004 and 2005) (more than one job / position in that period);
The average of pensionable remuneration during the last 3 years (2003, 2004 and 2005) (chief offices or scheme members labour contracted).

The second part of the retirement pension (P2) of the civil servants appointed before 1993-09-01 (related to the time of service after 2005-12-31) and the whole retirement pension of those appointed from 1993-09-01 onwards are calculated according to the rules that apply to private workers / Social Security pensions (average of pensionable remuneration during the entire career).

Method of calculation

Comunicação prévia do valor da pensão

Para as situações de aposentação voluntária pode ser solicitado um prazo de reflexão durante o qual pode desistir do pedido de aposentação. Caso desista, posteriormente deve ser iniciado um novo pedido.

O pedido deve ser formalizado dentro do prazo e de acordo com a informação enviada na referida comunicação.

Pension payment

Pensions are deposited in pensioners Bank accounts.

The pensioners living abroad can ask for the pension to be paid in their country of residence.

The annual pension payment schedule is established and made public available at payment page.

Pension prescription

Retirement pensions prescribe one year after the date they should have been paid.

If the pensioner does not withdraw its pensions for consecutive 3 years, the unitary right to the pension will prescribe and he will loose the status of retired / pensioner.

Retirement Retirement pension