I am 59 (in 2020) and have accumulated the necessary years of contributions (35 years). I wish to terminate work now at 59 years of age and claim for a pension at 61. Will these two years of missing social security contributions change my pension rate?

If you are 59, you have been born during the year 1961. Accumulation of social security contributions is indeed 35 years but calculation period for employed persons is based on the best 3 consecutive years in the last 13 years. Calculation period for self-employed persons is based on the best 10 consecutive years in the last 13 years. Any missing contributions, in the last 10 years prior retirement will leave a negative effect on the pension rate.