Requesting an estimate for an old-age pension / early old-age pension
Last update
The National Pension Insurance Fund (Caisse nationale d’assurance pension - CNAP) can provide you with an estimate of the amount of your old-age pension or early old-age pension upon request.
This service includes the following items:
- a reconstitution of the insurance periods;
- the calculation of the earliest date on which your old-age pension or early old-age pension could start;
- the estimated amount of your future pension at 2 different start dates at the most, i.e.:
- on the calculated start date; and/or
- a later date of your choice.
Important notes:
- The CNAP does not provide an estimate of the survivor's pension.
- The estimated amount of the pension is:
- determined with the data available to the CNAP, such as data from the insurance history which will be reconstituted by the CNAP; and
- provided for information only.
Who is concerned
Anyone who:
- is over 55 years of age; and
- exercises or has exercised a professional occupation in Luxembourg (salaried or self-employed) under the general pension insurance scheme (for the private sector: employees and self-employed workers).
You do not necessarily have to be a Luxembourg resident, but you must have a 13-digit national identification number (matricule).
Prerequisites
The CNAP will not accept an application for a pension estimate if the applicant is under the age of 55.
Before requesting an estimate, you must:
- ensure that your application is thoroughly prepared; and
- compile the necessary supporting documents concerning, for example:
- periods of unpaid study or vocational training; or
- periods of employment outside Luxembourg.
How to proceed
Submitting the request for a pension estimate
The request for a pension estimate must be submitted to the CNAP using the form provided for this purpose (see 'Online services and forms').
It is essential to attach all the supporting documents requested.
As the pension estimates are established as accurately as possible, the CNAP reserves the right to admit only one application per person.
Reconstitution of the insurance periods
The request for a pension estimate allows the CNAP to complete and reconstruct the insurance history, as well as to provide a more detailed estimate of the pension amount at a specific date.
However, the amount indicated by the CNAP depends on the quality and accuracy of the data collected.
Application processing time
The response time to a request for an estimate depends on the complexity of the case.
The estimate is sent by post as soon as the examination of the file is completed.
Insurance periods statement
An insurance periods statement is sent annually to insured persons who:
- are not yet receiving a personal pension; and
- were registered for pension insurance in Luxembourg in the year prior to the sending of the statement.
As of the age of 55 and provided a period of at least 120 months of pension insurance has been completed, the annual insurance periods statement will also indicate an estimated pension amount based on the applicable calculation parameters, in principle those in force on 1 January of the year the statement is sent. However, this estimated amount is calculated on the basis of insurance periods in Luxembourg only, without taking into account periods completed abroad or any additional periods.
Online services and forms
Who to contact
-
National Pension Insurance Fund
- Address:
-
1A, boulevard Prince Henri
L-1724
Luxembourg
Luxembourg
L-2096 Luxembourg
- Phone:
- (+352) 22 41 41-1
- Phone:
-
(+352)224141-6500
Hotline
- Website:
- http://www.cnap.lu
Open Closes at 16.00
- Thursday:
- 8.00 to 12.00 , 13.00 to 16.00
- Friday:
- 8.00 to 12.00 , 13.00 to 16.00
- Saturday:
- Closed
- Sunday:
- Closed
- Monday:
- 8.00 to 12.00 , 13.00 to 16.00
- Tuesday:
- 8.00 to 12.00 , 13.00 to 16.00
- Wednesday:
- 8.00 to 12.00 , 13.00 to 16.00
Public counters are open by appointment only.
Telephone reception from 8.00 to 12.00 and from 13.00 to 16.00
Contact form: http://www.cnap.lu/accueil-mail/
-
National Pension Insurance Fund - Reception desk for insured persons
- Address:
- 34-40, avenue de la Porte-Neuve 2227 Luxembourg Luxembourg
Open Closes at 15.30
- Thursday:
- 8.00 to 15.30
- Friday:
- 8.00 to 15.30
- Saturday:
- Closed
- Sunday:
- Closed
- Monday:
- 8.00 to 15.30
- Tuesday:
- 8.00 to 15.30
- Wednesday:
- 8.00 to 15.30
Related procedures and links
Procedures
Links
Further information
-
Fin de carrière
sur le site de la Fonction publique
-
Old-age pensions
on the Your Europe portal
Publications
sur le site de la Caisse nationale d’assurance pension (CNAP)
Legal references
- Code de la sécurité sociale
-
Loi du 21 décembre 2012
portant réforme de l'assurance pension
-
Règlement grand-ducal modifié du 5 mai 1999
concernant l'assurance continuée, l'assurance complémentaire, l'assurance facultative, l'achat rétroactif de périodes d'assurances et la restitution de cotisations remboursées dans le régime général d'assurance pension
