Requesting an estimate for an old-age pension / early old-age pension

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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

  • National Pension Insurance Fund

    Address:
    1A, boulevard Prince Henri L-1724 Luxembourg Luxembourg
    L-2096 Luxembourg
    Phone:
    (+352)224141-6500
    Hotline
    Open Closes at 12.00
    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
    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
    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

  • 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
    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
    Sunday:
    Closed

Related procedures and links

Procedures

Links

Further information

Publications

Brochure "Pension de vieillesse au Luxembourg"

sur le site de la Caisse nationale d’assurance pension (CNAP)

Legal references

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