alba24.ro/pensie-cu-cinci-ani-mai-devreme-fara-pen

Romanian citizens can retire up to five years earlier without penalties if they meet specific contribution requirements. This option is distinct from early retirement, which incurs reductions. To qualify, individuals must exceed the full contribution period by at least five years. The standard retirement age and contribution periods vary based on birth month and year. For example, a man with a standard retirement age of 65 can retire at 60 if he meets the contribution criteria. Early retirement can lead to reductions of up to 24%, depending on the months taken before the standard age. The five-year reduction cannot be combined with other reductions, and applicants must verify their contribution periods before applying for retirement.