Retirement age in Greece: 67, or 62 with a long career

e-EFKA states that under Law 4336/2015 the general retirement ages, for men and women alike, are:

• 67, for a full pension with at least 15 years (4,500 days) of insurance
• 62, for a full pension with at least 40 years (12,000 days) of insurance
• 62, for a reduced pension with 15 years (4,500 days), only where the statutes of the fund merged into e-EFKA provide for a reduced pension, under its specific time conditions

Source: e-EFKA: Σύνταξη λόγω γήρατος, προϋποθέσεις απονομής (old-age pension conditions), read 16 October 2026.

Greek pension law counts insurance in days: 4,500 days is the 15-year threshold, 12,000 days the 40-year one. If you have worked part of your career in Greece, the day count on your e-EFKA record is the number to check, not a rough tally of years.

e-EFKA also explains that the right to a pension is established once both conditions, the age and the minimum days, are met at the same time, and that from that date it can be exercised by application at any time.

Source: e-EFKA: Σύνταξη λόγω γήρατος, προϋποθέσεις απονομής (old-age pension conditions), read 16 October 2026.

EU-insured periods count toward qualifying under the coordination rules our multi-country pension guide explains. If you are moving to Greece to retire on a pension from elsewhere, the Greek ages do not govern you at all; our retiring in Greece guide covers the move.

If your retirement plan includes private health cover abroad, timing matters: Regency's international health plans accept new applicants up to age 70, and Essential Health up to 80. Pre-existing conditions are excluded, and cover is governed by the policy wording. We are an insurance introducer, not an insurer.