Pension guides for a life across borders.
Find official records, follow practical steps and understand what to check next.
Get your pension documentsPreparing your Luxembourg state-pension application after working abroadPrepare your career history, foreign pension records and bank details, then confirm which institution should receive your application.Read guideUnderstand your pensionCan 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.Read guideUnderstand your pensionWorked in Luxembourg and other countries? How your state pension worksWhen 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 guideGet your pension documentsHow to download your Luxembourg CCSS income certificateGenerate 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 guideGet your pension documentsHow to find your Luxembourg Pillar 2 pension and get your statementCheck 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.Read guideUnderstand your pensionHow to get your Luxembourg state pension record and pension estimateYour 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.Read guideUnderstand your pensionCan 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.Read guideUnderstand your pensionWhat 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 guideUsing ClerioWhich 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