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Pension question, Bulgaria

Can I get a Bulgarian pension with fewer insurance years?

For 2026 a woman needs age 62 years 6 months and an insurance period of 36 years 10 months, a man 64 years 9 months and 39 years 10 months. Short of that, the entitlement arrives at 67 with at least 15 years of actual insurance period, and it is then a pension with an incomplete insurance period, paid at a set fraction of the minimum.

  • Source: nssi.bg, fsc.bg, read 4 October 2026

What to do next

  1. Count your insured years in Bulgaria and in every other EU country.
  2. Find your Bulgarian personal number (EGN or LNCh) on old papers.
  3. Run our free check to see which countries may hold a pension in your name.

Check your own working life for free

Tell us where you worked. The free check shows which countries may hold a pension for you, and which can be ruled out and why. No sign in, no charge.

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Questions people also ask

Is a universal pension fund account part of this?

A universal pension fund account sits outside this, and the state individual coefficient is reduced because of it.

  • Source: nssi.bg, fsc.bg, read 4 October 2026

Do you give advice on what to do?

No. We identify where a pension is likely held and the official route to it, and we name each source with the date we read it. We do not give financial, tax or legal advice.