Pension rights

Working in Europe | Pension rights | Luxembourg

The Luxembourg pension system is compulsory for anyone working in Luxembourg and consist of old-age retirement (65 years), early retirement (57 to 65 years), invalidity and survivor's pensions.

Both you and your employer will contribute to the pension scheme which is taxable income.

 

 

EU residents
(as well as residents of Iceland, Liechtenstein, Norway and Switzerland)

If you are an EU citizen who has worked and paid social security contributions in another EU country, this is also taken into account for a Luxembourg pension. Pensions will be paid by each country and the amount will depend on the insurance period and on the salary earned.

 

 

 

 

NON-EU residents

Luxembourg has bilateral agreements with some countries outside the EU, so you only pay social security contributions in Luxembourg while you are working here. As these agreements vary from country to country, you should check with your embassy before signing a contract, to know exactly what your benefits will be, in order to avoid paying social security insurance in both countries.

 

 

Invalidity pension


 

To claim invalidity pension, your disability must be medically certified (‘invalidity’ is based on a person’s inability to work either at their last job or in any other similar field) and you must have been compulsory insured (as opposed to voluntarily) for at least 12 months during the 3 years preceeding your invalidity (except for accidents or professional disease).

 

 

Survivor's pension


 

In the case of death, this pension is paid out to:

  • your spouse, regardless of gender, provided you are either retired or have been compulsorily insured for at least 12 months during the 3 years preceeding your death (unless death occurred as a result of an accident or professional disease); and/or
  • your children up to the age of 18 (27 if they are students);
  • your divorced spouse, provided they have not remarried