Retirement age in Andorra: conditions for the CASS pension
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The short answer
The ordinary retirement age in Andorra is 65 years, with at least 180 months of CASS contributions (including 12 months in Andorra). Early retirement is possible from 61 years with 480 months of contributions, with a reduction of 7 % per year of early retirement.
What is the retirement age in Andorra?
The ordinary retirement age is 65 yearsverified on 09/10/2026. To be entitled to a pension, you must have contributed at least 180 monthsverified on 09/10/2026 to the CASS retirement branch (the Andorran social security fund), including at least 12 months in Andorra. Periods contributed in a treaty country (Spain, France, Portugal) can be added together.
Early retirement
| Condition | Value |
|---|---|
| Minimum age | 61 yearsverified on 09/10/2026 |
| Minimum contributions | 480 monthsverified on 09/10/2026 |
| Pension reduction | 7 %verified on 09/10/2026 per year before age 65, permanently |
You must not be in work (apart from exceptions) and you must apply for it: it is not automatic.
What if you have contributed little?
Between 5 and 15 years of contributions, the CASS provides a retirement lump sum paid in one go at 65, with no associated health cover. The right to this lump sum lapses three years after reaching 65.
Is a reform planned?
The CASS has put forward a reform proposal raising the age to 67 gradually. It has not been adopted as of the date this page was checked.
For a French retiree settling in Andorra
See retiring in Andorra and health and insurance.
An example of counting the months
An employee who starts contributing at 25 reaches 180 monthsverified on 09/10/2026 of contributions (15 years) at 40 and 480 monthsverified on 09/10/2026 (40 years) at 65: early retirement from 61 yearsverified on 09/10/2026 therefore requires a full career that began early. Early retirement is reduced by 7 %verified on 09/10/2026 per year of early retirement.
The lump sum instead of the pension
Between 60 monthsverified on 09/10/2026 and 179 monthsverified on 09/10/2026 of contributions, the CASS pays a lump sum rather than a pension. A minimum of 12 monthsverified on 09/10/2026 of contributions in Andorra is required.
For a French citizen
The Andorran pension is added to the French pension if you have contributed in both countries: coordination and taxation depend on your residence: see pensions and living your retirement.
What does not change
A retiree's passive residency does not require contributing to the CASS, but it does require health cover valid in Andorra: see health and insurance.
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Frequently asked questions
At what age can you retire in Andorra?
At 65 years for ordinary retirement, or from 61 years for early retirement with 480 months of contributions.
How many years of contributions are required?
At least 180 months to the CASS retirement branch, including 12 months in Andorra.
What do you lose by retiring earlier?
The pension is reduced by 7 % per year of early retirement, permanently.
Will the retirement age go up?
A reform raising the age to 67 is being studied by the CASS. It has not been adopted to date.
Going further
Official sources
This information is general and is not personalised legal, tax or financial advice. It is verified as of the date shown and may change.