Understand
Understand your pension
Methodology, glossary and scenarios explained simply — so you can calculate with confidence.
Methodology & sources
How ePension.lu calculates, where the figures come from, and why you can verify every result.
Read →Pension glossary
The key terms in calculating your Luxembourg pension, explained in plain language.
Read →Minimum and maximum pension (2026)
Whatever your career, your Luxembourg pension is bounded by a statutory floor and ceiling.
Read →Retirement age in Luxembourg: 57, 60, 65 years
In Luxembourg, the age at which you can draw your old-age pension depends not only on your age, but also on the length of your career (the "qualifying period", or stage). Three key ages open up this right: 65, 60 and 57, each with its own conditions. Here is a clear overview, cross-border workers included; it remains indicative, and only the CNAP's calculation is authoritative.
Read →Applying for your old-age pension in Luxembourg
In Luxembourg, the old-age pension is not paid automatically: you have to apply for it. This article outlines, in broad terms, the steps to follow, whether you live in the country or are a cross-border worker with a career spread across several states. The information here is indicative and general; only the Caisse nationale d'assurance pension (CNAP) is authoritative. The exact list of supporting documents, the forms, and the time limits can be found in the official sources cited at the bottom of the page.
Read →Working while drawing your pension (combining)
Can you continue or resume an activity while receiving a Luxembourg pension? It depends on your age and the type of pension.
Read →The education lump sum ("Mammerent")
A monthly benefit for parents who raised their children without the benefit of "baby-years".
Read →Invalidity pension
If an illness or accident permanently prevents you from working before age 65, the general scheme may pay an invalidity pension.
Read →Survivor's pension
On the death of an insured person or a pensioner, the surviving spouse or partner and the orphans may receive a survivor's pension.
Read →Cross-border workers: estimating your French, Belgian or German pension
Did you work in France, Belgium or Germany before or during your Luxembourg career? Each country will pay you its own share of pension. Here is how it is calculated, and how to obtain an indicative estimate of it — then the official amount.
Read →I worked at a European institution — how does it count?
Did you spend part of your career in the private sector and part of it in an EU institution (Commission, Parliament, Council, Court of Justice…)? Those years are not calculated like years spent in another country: they fall under a separate scheme.
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