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

Depending on their history of pension insurance contributions and their age, an insured may apply for:

Non-resident workers who have paid into a pension insurance scheme in Luxembourg enjoy the same entitlements as do resident workers.

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

Any person may be covered by the general pension insurance scheme, provided they:

  • 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, i.e. 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.

Prerequisites

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 or voluntary basis, retrospectively purchased periods and additional 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 the insured has an insurance history of 40 years of mandatory pension insurance contributions;
  • 60 years, if the insured has an insurance history of 40 years of mandatory pension insurance contributions, voluntary contributions, retrospective buyback and/or additional periods, including at least 10 years of mandatory or voluntary contributions and/or retrospective buyback periods.

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

Age

Minimum number of qualifying years

Mandatory periods

Voluntary periods

Retrospective buyback

Additional periods

57

40

Yes

X

X

X

60

40

Yes

Yes

Yes

Yes

 

of which 10 years

Yes

Yes

Yes

X

Deadlines

A pension will not automatically be awarded, even if the insured satisfies all the conditions. They must apply to receive their pension.

If an insured:

  • has only ever worked in Luxembourg: they may apply between 2 and 6 months prior to their pension start date;
  • has been part of multiple pension schemes in Luxembourg over the course of their career: they may apply 6 months prior to their pension start date;
  • has worked both in Luxembourg and in one or more foreign countries: it is best that they apply at least 6 months prior to the planned start date of their pension.

How to proceed

Filing the application in the country of residence

Residence in Luxembourg

If the insured is a resident in Luxembourg, they must apply to the National Pension Insurance Fund (Caisse nationale d’assurance pension – CNAP), with the necessary documents (certificates or diplomas, formal record of work history abroad, etc.).

If the insured, over the course of their career in Luxembourg, has been part of both the general pension scheme (private sector – CNAP) and the special pension scheme (government and communes), they must apply to the body responsible for the scheme they were last registered with.

If the insured has worked both in Luxembourg and in one or more foreign countries, the CNAP is in charge of applying to the relevant pension schemes abroad on their behalf.

Residence abroad

If the insured is not a Luxembourg resident, they must apply to the competent body in their 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: an insured who is not a Luxembourg resident but has worked exclusively in Luxembourg over the course of their career may apply to the Luxembourg authorities.

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 length of contribution is calculated based on the duration of the periods of contributions to a pension insurance scheme, on a mandatory or voluntary basis, retrospectively purchased periods and additional periods up to a maximum of 40 years.

'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: Calculation of pension amount.

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

  • the cost of living; and
  • trends in wages on the employment market.

Employment/self-employment

People in receipt of an early old-age pension are permitted to engage in a professional activity. However, the pension is subject to anti-accumulation rules if combined with earned income.

Any pensioner under the age of 65:

  • may earn income as an employee, without their pension being reduced or withdrawn, provided such earned income is less than one third of the social minimum wage (SMW);
  • who, as an employee, earns more than one third of the minimum social wage, may receive both their pension and a salary, provided that the aggregate amount does not exceed the average of the 5 highest annual salaries in their career for which contributions have been paid. If that cap is exceeded, the pension is reduced in relation to that limit;
  • who, from self-employment, earns more than one third of the social minimum wage each year loses their entitlement to an early old-age pension.
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

Once the recipient of an old-age pension reaches the age of 65, their professional activity is no longer subject to anti-accumulation rules.

Minimum and maximum amounts

Under no circumstances may an early old-age pension be less than 90 % of the reference amount if the insured has completed 40 years of insurance contributions. 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.

In order to be entitled to the minimum pension, the insured must have contributed for at least 20 years, including 10 years of mandatory, voluntary or purchased contributions.

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.

Estimation of an old-age pension/early old-age pension

The CNAP will only accept an application for a pension estimate if the applicant is over the age of 55. When they reach that age, applicants are advised to think back on periods of study or unpaid professional training, and periods spent working abroad, and have this information readily available. The insured must provide supporting documents (certificates or diplomas from the age of 18 onwards, formal records of insurance contributions made abroad, etc.).

The time required to process an application to estimate the level of a pension depends on the complexity of the application. Processing can take between 1 and 3 months, or even up to 6 months in particularly complex cases.

The record of insurance history in Luxembourg, which is sent to insured individuals annually, includes an estimation of pension due from the age of 55, taking account of their recorded contributions, but not of any additional periods.

To request an estimate, please use the contact form on the CNAP's website: eMail – CNAP.

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.

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