How to check the details of your supplementary pension scheme
Last update
Supplementary pension schemes (régimes complémentaires de pension - RCP) are the 2nd pillar of pension provision in Luxembourg. They are set up within a professional framework. There are 2 different types:
- Schemes set up by companies for their employees: these supplementary pension schemes must be registered with the General Inspectorate of Social Security (Inspection générale de la sécurité sociale - IGSS), which is the competent authority.
- Schemes approved by the IGSS to which supplementary pension contributions are paid by self-employed workers or into which are paid the acquired rights of former employees who cannot be maintained in their former employer's initial supplementary pension scheme.
The purpose of supplementary pension schemes is to provide benefits in the event of retirement, death, disability or survival. These benefits are complementary to those paid by the statutory social security systems. Their implementation is optional and not all employees and self-employed workers are necessarily covered by a supplementary pension scheme.
If you are covered by a supplementary pension scheme, the IGSS makes available certain information about this scheme via MyGuichet.lu.
Supplementary pension schemes financed by citizens themselves, on the basis of an individual pension provision product covered by Article 111bis of the Income Tax Law (L.I.R.), and that constitute the 3rd pillar of pension provision, are not made available via MyGuichet.lu.
Who is concerned
Any natural person listed in the National Registry of Natural Persons (Registre national des personnes physiques - RNPP), whether or not they are a Luxembourg resident, who:
- is or has been employed or self-employed in Luxembourg; and
- is enrolled in a supplementary pension scheme:
- set up by a Luxembourg employer; or
- approved to receive supplementary pension contributions paid by self-employed persons or to maintain the rights of former employees.
Only information relating to the 2022 and subsequent financial years that the scheme manager (usually an insurance company or a consultant) has communicated to the IGSS can be consulted on MyGuichet.lu.
Prerequisites
To consult your supplementary pension schemes online, you need to have a private eSpace on MyGuichet.lu. To create an eSpace, you must have an authentication product, i.e.:
- a LuxTrust product;
- a Luxembourg electronic identity card (eID); or
- an eIDAS-compliant means of authentication from another European country.
How to proceed
The 'Supplementary pension' online service allows you to consult the following information in particular in your private eSpace on MyGuichet.lu:
- the employers who have enrolled you in a supplementary pension scheme;
- the name and the manager of the supplementary pension scheme;
- the cover you have (old age, death, disability, personal contributions);
- the dates on which you joined and left the schemes at different employers;
- the date from which your rights are acquired;
- if applicable, the amount of the annual contribution paid into the scheme;
- the amount you have saved;
- the benefits that have been paid to you;
- the amounts of any tax and any long-term care insurance contributions deducted from the benefits.
Click on the link below to consult the 'Supplementary pension' online service via your private eSpace on MyGuichet.lu:
To save you having to search for the service in the catalogue every time, you can simply add it to your favourites. This will allow you to access it directly from the home page of your private eSpace.
Good to know
As the data displayed is based on information supplied by a supplementary pension scheme manager, the IGSS cannot guarantee its accuracy. If you notice any errors, the IGSS invites you to contact the listed manager of the supplementary pension scheme concerned.
Online services and forms
Who to contact
- General Inspectorate of Social Security (IGSS)
- Main address:
- 26, rue Sainte Zithe L-2763 Luxembourg Luxembourg
- Website:
-
Website
sur le portail de l'Inspection générale de la sécurité sociale
- Phone:
- (+352) 247 86 383
- Email address:
-
General questions
pencom@igss.etat.lu - Postal box:
-
B.P. 1308, L-1013
Related procedures and links
Procedures
Links
Further information
-
Législation concernant le Service Pensions complémentaires
sur le portail de l’Inspection générale de la sécurité sociale
-
Glossaire sur les régimes complémentaires de pension
sur le portail de l’Inspection générale de la sécurité sociale
Legal references
-
Loi du 8 juin 1999
relative aux régimes complémentaires de pension
-
Règlement grand-ducal du 11 janvier 2012
établissant le relevé des renseignements à fournir par les entreprises en matière de régimes complémentaires de pension
-
Loi modifiée du 8 juin 1999
relative aux régimes complémentaires de pension – version coordonnée au 1ᵉʳ janvier 2019 (version coordonnée élaborée par l’IGSS à des fins d’information)
-
Loi modifiée du 13 juillet 2005
concernant les activités et la surveillance des institutions de retraite professionnelle – version coordonnée au 1ᵉʳ janvier 2020 (version coordonnée élaborée par l’IGSS à des fins d’information)
-
Règlement grand-ducal modifié du 22 décembre 2006
déterminant le montant et les modalités d’exécution des taxes prévues à l’article 30, paragraphe (4) de la loi modifiée du 8 juin 1999 relative aux régimes complémentaires de pension – version coordonnée au 4 février 2020 (version coordonnée élaborée par l’IGSS à des fins d’information)
