Pension FAQ
Short answers to the questions asked most often about the Luxembourg old-age pension, each grounded in Livre III of the Social Security Code cited on this section’s other pages.
When can I retire?
The ordinary age is 65, the same for everyone — Luxembourg has no cohort-by- cohort table. Two routes allow retiring earlier, at 60 or 57; see Retirement age.
Can I retire on career length alone, with no age condition?
No. All three routes to a Luxembourg old-age pension set a minimum age; none opens on service length alone, at any age.
How many years of insurance do I need?
120 months (10 years) for the ordinary route. Both early routes need 480 months (40 years) each, under different baskets of qualifying periods.
How is the pension amount worked out?
As the sum of two components, both priced with the award-year rate table: a flat component tied to your years of insurance, and an accrual component tied to the revalued sum of your career earnings. The detail is on the pension calculation page.
Can I retire early, and does it reduce my pension?
Yes, at 60 or 57 depending on your insurance period. Neither route applies a percentage reduction — the amount simply reflects a shorter career. See early retirement.
Is there a minimum or maximum pension?
Yes. A full pension (a 40-year career) may not be lower than 1.876,50 €; no personal pension may exceed 8.687,50 €.
Does my pension get uprated after I retire?
Yes, every year, by a réajustement that tracks the growth of the wage-revalorisation index — full pass-through since 2012. This is a different mechanism from wage indexation.