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Clerio

Pension clarity across borders

Know what you have. Know what comes next.

Clerio is being built to bring pension rights and records from different countries into one clearer picture, so you can understand what is known, what still needs checking and what to do next.

Request beta access

Clerio is opening its beta to a small group of people with pension records from more than one country.

A clearer view of a pension built across borders.

  1. 01

    One pension picture

    See pension rights from a career across borders in one understandable view.

  2. 02

    Records kept in context

    Keep statements, career periods and the assumptions behind the picture connected.

  3. 03

    Confidence you can inspect

    Know which parts are estimated, which are supported and what could still change.

  4. 04

    Clear next actions

    See which missing period, statement or decision deserves attention next.

When clarity matters

Life changes. Your pension picture should keep up.

  1. Editorial illustration of a professional looking toward retirement on the horizon

    Retirement is no longer far away

    Records from earlier jobs and different countries suddenly become part of decisions you may make within the next decade.

  2. Editorial illustration of a traveller looking through an aeroplane window

    Your next chapter starts in another country

    Before the boxes close, keep each employment period and pension record connected to the country and system it belongs to.

  3. Editorial illustration of a professional moving from one workplace to another

    A new job closes an old chapter

    Save the workplace pension details and contacts that are easy to lose once you leave an employer.

  4. Editorial illustration of new parents looking toward their family's future

    The future is no longer yours alone

    A new family chapter changes what long-term security means and who may need to understand your plans.

  5. Editorial illustration of a professional returning home by train

    You return home. Your records remain scattered.

    Bring documents gathered across countries into one picture before former employers and contacts become harder to trace.

  6. Editorial illustration of a couple considering their retirement choices

    Retirement decisions are getting close

    See what is documented, where uncertainty remains and which missing records deserve attention first.

Retirement is no longer far away

Turn scattered pension records into one clear picture.

Clerio brings records from different countries together, shows what is missing and tells you what to check next.

Guides

Practical help for the records behind your pension.

Explore all guides

Get your pension documents

Preparing your Luxembourg state-pension application after working abroad

Prepare your career history, foreign pension records and bank details, then confirm which institution should receive your application.

Read guide

Understand your pension

Can you retire at 57, 60 or 65 in Luxembourg?

The normal pension age is 65; early pensions can start from 57 or 60 if the relevant insurance conditions are met. The age-60 route changed in July 2026.

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Understand your pension

Worked in Luxembourg and other countries? How your state pension works

When coordination rules apply, foreign insurance periods can help you qualify, but each country assesses and pays its own pension. The parts may start at different ages.

Read guide

Get your pension documents

How to download your Luxembourg CCSS income certificate

Generate the CCSS income certificate as a PDF in MyGuichet. It shows recorded gross income, not the pension-contributable amounts in the annual career extract.

Read guide

Get your pension documents

How to find your Luxembourg Pillar 2 pension and get your statement

Check MyGuichet for your supplementary pension scheme and its manager, then ask that manager for your statement. A missing entry does not prove that no rights exist.

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Understand your pension

How to get your Luxembourg state pension record and pension estimate

Your annual CCSS career extract shows Luxembourg pension-insurance periods and contributable income. Request a copy from CCSS; a CNAP pension estimate is a separate procedure.

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Understand your pension

Can you transfer your Luxembourg workplace pension when changing jobs?

A transfer may be possible after leaving an employer, but the pension regulation and acquired rights decide the options. Check preservation, transfer and buyback separately.

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Understand your pension

What happens to a Luxembourg state pension when someone dies?

Eligible relatives must apply for a survivor’s pension; the deceased person’s pension is not transferred automatically. Identify the competent institution and prepare the claimant’s documents.

Read guide

Using Clerio

Which pension documents should I collect?

Start with a country-and-employer timeline, then collect the state, workplace and personal pension records linked to each period. Use this as an organising checklist, not a universal application requirement.

Read guide

See if the Clerio beta fits your pension journey.

Tell us where you have worked and what you want to bring together. We will review your request personally.

Request beta access