Applying for the Pensão de Velhice (State Old-Age Pension) at Segurança Social in 2026 — A Practical Guide to the 66Y9M Threshold, 15-Year Carência, 0.8237 Fator de Sustentabilidade and Three-Month Filing Window
Reaching pensionable age in Portugal is a moving target. Idade normal is 66 anos e 9 meses in 2026, lifting to 66 anos e 11 meses in 2027. Fator de sustentabilidade carves 17.63% off early pensions. Apply 90 days before the date you want the cheque to start.