ONP requires age 65 + 20 years of contributions (D.Law 19990). You must meet both requirements.
At 45 with 10 years paid: you retire at 65.
Formula
ONP retirement
max(65 − age, 20 − years paid)
Example — age 45 + 10 years paid
| Item | Calculation | Value |
|---|---|---|
| Missing years | 20 − 10 | 10 |
| Years by age | 65 − 45 | 20 |
| Result | max(20, 10) | age 65 |
FAQ
Contributions rule → 75.
With age 65 and 20 years paid, you can already retire.
Informational estimate
Educational content, not pension advice. D.Law 19990.