Applying for an early old-age pension from the age of 57 or 60

Depending on your insurance periods and your age, you can apply for:

If you are a non-resident worker and have paid pension insurance contributions in Luxembourg, you have the same rights as a resident worker.

Early old-age pension is calculated based on the recognised years of pension insurance contributions, and the contributions paid into the pension insurance fund. These 2 items of data, together, form the individual's insurance history.

Who is concerned

You are covered by the general pension insurance scheme if you:

  • engage in a professional activity in Luxembourg, be it as an employee or on a self-employed basis; or
  • receive some form of replacement income: sickness benefits, maternity benefits, compensation for an occupational accident or unemployment benefits.

Public sector agents (employed by the State, the communes, the Luxembourg rail operator CFL) are subject to a special pension scheme, with its own specific terms and conditions.

Early old-age pension is payable from the age of 57 or 60.


General remarks

Entitlement to an early old-age pension is subject to:

  • age; and
  • recognised years of pension insurance contributions: the insurance history.

Periods of contributions to a pension insurance scheme, on a mandatory, continued or optional basis, retroactively purchased periods and supplementary periods are taken into account in this calculation.

Further details on insurance periods can be found on the website of the CNAP – Insurance history and periods in Luxembourg.

Conditions of allocation

Early old-age pension is payable from the age of:

  • 57, if you have an insurance history of 40 years of mandatory pension insurance contributions;
  • 60, if you have an insurance history of 40 years of mandatory pension insurance contributions, continued insurance contributions, optional insurance contributions, retroactive purchase and/or supplementary insurance periods, including at least 10 years of mandatory insurance periods, continued insurance periods, optional and/or retroactively purchased periods.

Recognised periods of insurance contributions to fulfil the conditions of history required to entitle the insured to draw an early old-age pension


Minimum number of qualifying years

Mandatory periods

Continued or optional insurance periods

Retroactive purchase

Supplementary periods














of which 10 years






A pension will not automatically be awarded, even if you satisfy all the conditions. You are required to apply for a pension.

If you have:

  • only ever worked in Luxembourg: you can submit your application between 2 and 6 months before the start date of your pension;
  • been part of multiple pension schemes in Luxembourg over the course of your career: you can submit your application 6 months before the start date of your pension;
  • worked both in Luxembourg and in one or more foreign countries: it is best to submit your application at least 6 months before the planned start date of your pension.

How to proceed

Filing the application in the country of residence

Residence in Luxembourg

If you live in Luxembourg, you must send your application to the National Pension Insurance Fund (Caisse nationale d'assurance-pension - CNAP) together with all the required documents (certificate or diploma of study, foreign career record, etc.).

If you were affiliated to the general pension scheme (private sector - CNAP) and to the special pension scheme (state/communal sector) in Luxembourg during your professional career, you must submit your application to the body responsible for the scheme to which you were last affiliated.

If you have worked both in Luxembourg and in one or more foreign countries, the CNAP will submit the pension applications to the competent pension bodies abroad.

Residence abroad

If you do not reside in Luxembourg, you must submit your application to the competent body in your country of residence. The foreign fund must then apply to the CNAP on the insured's behalf so that the insured can exercise their Luxembourg pension rights. The vast majority of Luxembourg's cross-border workers are in this situation.

Exception: if you do not reside in Luxembourg but have worked exclusively in Luxembourg, you can submit your application in Luxembourg.

Application processing time

The time taken to process a pension application will depend on the availability and the soundness of the required data. It may range from:

  • a few weeks; to
  • several months, if information needs to be obtained from abroad.

When the review is completed, the pension is either approved or rejected in a decision which may be appealed.

Start date

Early old-age pension will begin on the day when the conditions of age and insurance history are fulfilled:

  • if the insured ceases their professional activity, pension payments will begin on the day after the insured loses their entitlement to earned income;
  • if the insured continues to work, pension payments will begin, at the earliest, on the first day of the month following that in which the application is lodged.

Amount of pension

'Length of contribution' component: flat-rate allowances

Flat-rate allowances are awarded based on the length of contribution.

The calculation of this period (up to a maximum of 40 years) is based on:

  • periods of mandatory, continued and/or optional insurance;
  • insurance periods purchased retroactively; and
  • supplementary periods.

'Contributions paid' component: proportional allowances

Proportional allowances are awarded based on the contributions paid over the insured's insurance history.

An end-of-year bonus is granted to people who are entitled to a pension as at 1 December in a calendar year.

The calculation formulae and examples can be found on the CNAP website: Calcul du montant de la pension (calculation of the pension amount).

Note: the following elements are also taken into account when calculating the amount of pension:

  • the cost of living; and
  • wage developments on the labour market.


As a recipient of an early retirement pension, you may engage in gainful employment. However, the pension is subject to anti-accumulation rules if combined with earned income.

If you are a pensioner under the age of 65:

  • you may earn income as an employee, without your pension being reduced or withdrawn, provided such earned income is less than one third of the social minimum wage;
  • you can, as an employee, earn more than one third of the social minimum wage, in which case you receive both your pension and a salary, provided that the aggregate amount does not exceed the average of the 5 highest annual salaries in your career for which contributions have been paid. If that cap is exceeded, the pension is reduced in relation to that limit;
  • and you have an income as a self-employed person of more than one third of the social minimum wage per year, your early pension is cancelled.
Income Amount Effect of early old-age pension anti-accumulation rules
Income from self-employment < 1/3 SMW   No reduction
> 1/3 SMW   Pension withdrawn
Income from employment < 1/3 SMW   No reduction
> 1/3 SMW but < M5R P + INC. < M5R No reduction
P + INC. > M5R Overrun reduced
> M5R   Pension withdrawn

SMW: social minimum wage
P: pension
INC.: income
M5R: average of the insured's 5 highest salaries or incomes in their insurance history

As soon as you reach the age of 65, your professional activity is no longer subject to anti-accumulation rules.

Minimum and maximum amounts

The early old-age pension cannot be less than 90% of the reference amount if you have covered a 40-year period of insurance. This sum is decreased by one 40th per missing year between the 20th and 39th years.

Note: the annual value of the reference amount is set at EUR 2,085, with an index number of 100 in 1984.

To be entitled to the minimum pension, you must have at least 20 years of insurance periods, including 10 years of mandatory insurance, continued insurance, optional insurance or retroactively purchased periods.

The maximum amount is 5/6ths of five times the reference amount.

Payment of pension

Pension payments:

  • are made monthly and in advance; and
  • cease at the end of the month in which the beneficiary dies.

The payment schedule for pensions can be viewed on the CNAP website.

Forms / Online services

Demande en obtention d'une pension personnelle

Les informations qui vous concernent recueillies sur ce formulaire font l’objet d’un traitement par l’administration concernée afin de mener à bien votre demande.

Ces informations sont conservées pour la durée nécessaire par l’administration à la réalisation de la finalité du traitement

Les destinataires de vos données sont les administrations compétentes dans le cadre du traitement de votre demande. Veuillez-vous adresser à l’administration concernée par votre demande pour connaître les destinataires des données figurant sur ce formulaire. Conformément au règlement (UE) 2016/679 relatif à la protection des personnes physiques à l'égard du traitement des données à caractère personnel et à la libre circulation de ces données, vous bénéficiez d’un droit d’accès, de rectification et le cas échéant d’effacement des informations vous concernant. Vous disposez également du droit de retirer votre consentement à tout moment.

En outre et excepté le cas où le traitement de vos données présente un caractère obligatoire, vous pouvez, pour des motifs légitimes, vous y opposer.

Si vous souhaitez exercer ces droits et/ou obtenir communication de vos informations, veuillez-vous adresser à l’administration concernée suivant les coordonnées indiquées dans le formulaire. Vous avez également la possibilité d’introduire une réclamation auprès de la Commission nationale pour la protection des données ayant son siège à 15, boulevard du Jazz L-4370 Belvaux.

En poursuivant votre démarche, vous acceptez que vos données personnelles soient traitées dans le cadre de votre demande.

Antrag auf Gewährung einer persönlichen Pension

Ihre in diesem Formular erfassten personenbezogenen Informationen werden von der zuständigen Verwaltungsbehörde verarbeitet, um Ihren Antrag erfolgreich abzuschließen.

Diese Informationen werden von der Behörde für den zur Verarbeitung erforderlichen Zeitraum gespeichert.

Die Empfänger Ihrer Daten sind die im Rahmen Ihres Antrags zuständigen Verwaltungsbehörden. Um die Empfänger der in diesem Formular erfassten Daten zu erfahren, wenden Sie sich bitte an die für Ihren Antrag zuständige Behörde.

Gemäß der Verordnung (EU) 2016/679 zum Schutz natürlicher Personen bei der Verarbeitung personenbezogener Daten und zum freien Datenverkehr haben Sie das Recht auf Zugang, Berichtigung und gegebenenfalls Löschung Ihrer personenbezogenen Informationen. Sie haben zudem das Recht, Ihre erteilte Einwilligung jederzeit zu widerrufen.

Weiterhin können Sie, außer in Fällen, in denen die Verarbeitung Ihrer Daten verpflichtend ist, Widerspruch einlegen, wenn dieser rechtmäßig begründet ist.

Wenn Sie diese Rechte ausüben und/oder Einsicht in Ihre Informationen nehmen möchten, können Sie sich unter den im Formular angegebenen Kontaktdaten an die zuständige Verwaltungsbehörde wenden. Sie haben außerdem die Möglichkeit, bei der Nationalen Kommission für den Datenschutz Beschwerde einzulegen (Commission nationale pour la protection des données, 15, boulevard du Jazz L-4370 Belvaux).

Wenn Sie Ihren Vorgang fortsetzen, akzeptieren Sie damit, dass Ihre personenbezogenen Daten im Rahmen Ihres Antrags verarbeitet werden.

Who to contact

Double click to activate the map

We are interested in your opinion

How would you rate the content of this page?

Last update