Pension guides for a life across borders.
Find official records, follow practical steps and understand what to check next.
Understand your pensionCan you retire at 57, 60 or 65 in Luxembourg?Compare the three retirement-age routes, understand the 2026 change at age 60 and see what to check with CNAP before choosing a date.Read guideUnderstand your pensionWorked in Luxembourg and other countries? How your state pension worksYour pension years are coordinated across borders, but they do not become one pension. See which country pays what, when each part can start and where to apply.Read guideGet your pension documentsHow to download your Luxembourg CCSS income certificateDownload the CCSS income certificate, understand its gross-income figures and know when you need the annual pension career extract instead.Read guideGet your pension documentsHow to find your Luxembourg Pillar 2 pension and get your statementStart with MyGuichet, identify the manager of your supplementary pension scheme, then request the detailed statement from the right place.Read guideUnderstand your pensionHow to get your Luxembourg state pension record and pension estimateFind the annual CCSS career extract, distinguish it from MyGuichet certificates and request a CNAP estimate when the general scheme applies.Read guideUnderstand your pensionCan you transfer your Luxembourg workplace pension when changing jobs?Check whether your rights are acquired, compare the official options after leaving an employer and prepare the documents for a transfer request.Read guideUnderstand your pensionWhat happens to a Luxembourg state pension when someone dies?Who may claim a survivor's pension, how to apply and what happens when several countries are involved.Read guideUsing ClerioWhich pension documents should I collect?Build a practical record set across state, workplace and personal pensions without assuming that every person needs the same documents.Read guide