Profiles
International career
You have worked in several countries — within the EU, in a State linked to Luxembourg by a bilateral agreement, or elsewhere in the world. Here is how your periods combine for your Luxembourg pension.
Aggregation opens the right
To reach the minimum qualifying period (120 months, art. 183 of the Social Security Code), insurance periods completed in the EU/EEA/Switzerland (Regulation (EC) 883/2004) and in countries linked to Luxembourg by a bilateral agreement are added to your Luxembourg career. At least 12 months must have been paid in Luxembourg for this aggregation to apply.
Each country pays its share
Aggregation opens the right but does not shift the cost: Luxembourg pays a pension only for periods completed under its legislation. It calculates two amounts — a stand-alone national pension (Luxembourg career only) and a pro-rata pension (theoretical amount on the whole career × Luxembourg periods / total periods, art. 52 of Regulation 883/2004) — and pays the higher of the two. The other countries do the same for their own periods.
Three coordination regimes
EU/EEA/Switzerland: automatic coordination under Regulation 883/2004. Agreement countries (outside the EU): aggregation provided by a bilateral social security agreement (United States, Canada, Québec, Japan, India, Türkiye…; some agreements are restricted to certain nationalities). Countries without an agreement: their periods cannot be aggregated on the Luxembourg side, but remain acquired in their own national scheme.
If the qualifying period can never be met
If, at retirement age, the 120-month qualifying period cannot be reached even through aggregation, no Luxembourg pension right arises; the insured may then recover their personal share of contributions (art. 213 of the Social Security Code — the employer and State shares remain with the scheme). The details are to be checked with the CNAP.
What the tool estimates
The advanced mode below estimates only the Luxembourg component of your pension, revalued year by year, and indicates whether your right is open (nationally or through aggregation). Amounts paid by other countries fall under their own institutions. Only the CNAP's official statement, cross-checked with foreign bodies, is authoritative.
See also Cross-border workers: estimating your French, Belgian or German pension
Legal basis: Regulations (EC) 883/2004 (art. 6 aggregation, art. 52 calculation) and 987/2009; bilateral social security agreements (secu.lu, cnap.public.lu); articles 183, 184 and 213 of the Social Security Code.