Pension funds in Luxembourg

All persons who are working professionally or receive replacement income are covered by the general pension scheme and are registered with the National Pension Insurance Fund (Caisse nationale d’assurance pension - CNAP), with the exception of civil servants. Government employees (agents of the State, the communes or the national rail operator CFL) have a special pension scheme and are registered with a fund specific to their status.

The purpose of the pension funds is to dispense the following benefits:

  • old-age pension;
  • disability benefit;
  • survivor's pension.

Under the special pension scheme, the agents of the State, the commune and the CFL, who have a special legislatory statute, are covered by 3 bodies: respectively, the State Centre for Human Resources and Organisation Management (Centre de gestion du personnel et de l’organisation de l’État), the Contingency Fund for Civil Servants and Commune Employees (Caisse de prévoyance des fonctionnaires et employés communaux), and the Division for Retired Personnel of the SNFCL (Division du personnel retraité de la SNCFL).

  • CNAP – Reception desk for insured persons

    Address:
    34-40, avenue de la Porte-Neuve L-2227 Luxembourg
    Closed ⋅ Opens Monday at 8.00
    Sunday:
    Closed
    Monday:
    8.00 to 15.30
    Tuesday:
    8.00 to 15.30
    Wednesday:
    8.00 to 15.30
    Thursday:
    8.00 to 15.30
    Friday:
    8.00 to 15.30
    Saturday:
    Closed

  • National Pension Insurance Fund (CNAP

    Address:
    1A, boulevard Prince Henri L-1724 Luxembourg
    L-2096 Luxembourg
    Phone:
    (+352) 22 41 41 1
    Phone:
    (+352) 22 41 41 65 00
    Hotline Pensions
    Website:
    http://www.cnap.lu
    Closed ⋅ Opens Monday at 8.00
    Sunday:
    Closed
    Monday:
    8.00 to 15.30
    Tuesday:
    8.00 to 15.30
    Wednesday:
    8.00 to 15.30
    Thursday:
    8.00 to 15.30
    Friday:
    8.00 to 15.30
    Saturday:
    Closed
    Public counters are open by appointment only.

  • Pension Fund for Civil Servants and Communal Employees

    Address:
    20, avenue Emile Reuter L-2420 Luxembourg
    Phone:
    (+352) 45 02 01 1

  • SNCFL - Division for Retired Personnel

    Address:
    9, place de la Gare L-1616 Luxemburg
    B.P. 1803, L-1018 Luxembourg
    Phone:
    (+352) 49 90 33 43

  • State Centre for Human Resources and Organisation Management (CGPO) - Pensions Division

    Address:
    10, avenue John F. Kennedy L-1885 Luxembourg
    B.P. 1204, L-1012 Luxembourg
    Phone:
    (+352) 247 83 200
    Email address:
    accueil@cgpo.etat.lu
    Website:
    https://cgpo.gouvernement.lu/en.html

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