Luxembourg holds your insurance career at CNAP, and the online account needs a Luxembourg registration number alongside a recognised digital identity. We identify what is in your name and hand you the route in. $99, full refund if we find nothing material.
If you worked in Luxembourg and moved on, changed employers, or lost the paperwork years ago, you are in the right place. Pensions are rarely gone. Most of the time the scheme simply lost track of you.
What your Pension Identification Report delivers
Nobody sits between you and your pension. You act the moment the evidence lands.
For Luxembourg, the central record is not publicly searchable from your employment history alone. Your Pension Identification Report delivers the honest access-map: what exists, where your record sits, the deadlines and traps that affect your entitlement, the exact route in, and your entitlement position. The record in Luxembourg sits behind a national credential wall (LuxTrust / MyGuichet.lu), often keyed to a residency status that no longer applies to departed expats. This is exactly why the human tier exists here: automation can map the door, but it cannot walk through a credential wall for a departed expat. In the Enhanced Pension Identification Report and the Global Pension Identification Report, under your signed Information Request Authority (IRA) the PensionHunter research team prepares your information request for the authority through the official channel, written and ready for you to send, the work no chatbot or portal can do.
Identification & research only, no financial advice
Credentials are not usually the bottleneck here. Non-residents can authenticate against the Luxembourg portal with an EU digital identity from their home country. The Luxembourg-specific call is the under ten years refund against preserve fork, which is irreversible once accepted and restorable only in a narrow window.
Identification only. We do not open credential-protected accounts, and we do not transfer, negotiate, or make decisions regarding any pension.
Start here
$99
Country Pension Identification Report, Luxembourg
Within 24 to 48 hours
Full refund if we find nothing material.
Enhanced Pension Identification Report ($499): your Action Pack, a complete request pack for every fund we identify, written in your voice and ready to send, delivered within five working days of your intake form. Global Pension Identification Report ($799): the same across every country you worked in, up to all 41 we cover, within ten working days. Full refund if we find nothing material, decided at identification.
At the Country Report you contact the administrators yourself, using the routes in your report. On Enhanced and Global: We stay with your case after delivery. If an administrator asks you a question, refuses, or simply does not reply, send it to us and we will tell you exactly what to send next. That continues until every fund we identified has answered you, or the route is exhausted and we say so plainly.
Your Luxembourg report, see the full sampleLUXEMBOURG SAMPLEThis is the Luxembourg sample, produced by the same methodology that runs every real case.Open the samplePensionHunter is a team of pension researchers working across 41 countries. We do not touch your money, we take no percentage, and every report is reviewed by a human before release.
Every line below is drawn from the verified country dossier. We never fabricate facts; candidate items are gated out of customer-facing copy.
A former Luxembourg worker who left with UNDER 120 months (10 years), and is still short even after EU/bilateral aggregation, can have their EMPLOYEE contributions refunded by CNAP (remboursement des cotisations); accepting it irreversibly destroys their Luxembourg rights, restorable only before age 65.
The pension is never awarded automatically, a departed worker who never files leaves it dormant; the refund-vs-preserve fork is never triggered without a demande.
Personal-record access wall: MyGuichet.lu, LuxTrust / Luxembourg eID / EU eIDAS device; prerequisite: a 13-digit matricule
The carrière d’assurance is the record; CNAP issues an estimation on request; frontaliers file via their residence institution
From abroad: Non-residents can authenticate against MyGuichet.lu using an EU eID from their home country, so credentials are not usually the bottleneck, the real Luxembourg-specific call is the under-120-months refund-vs-preserve fork, which is irreversible once accepted and only restorable in a narrow window before age 65.
Frontalier core: file in country of residence (France CARSAT / Belgium SFP / Germany DRV) → routes to CNAP; partial pensions per country; +non-EU bilaterals (US, CA, IN, BR…).
Primary sources: cnap.public.lu · guichet.public.lu · ccss.public.lu
Worked in more than one country? One Global Pension Identification Report covers every country you worked in, up to all 41 we cover.
Whether anyone officially counts unclaimed pensions in Luxembourg is a question with a published answer, and we keep it on one page: the Luxembourg row on our pension scoreboard.
For pension schemes and trustees with members in Luxembourg, see our cross-border member tracing services
The carrière d’assurance is the record; CNAP issues an estimation on request; frontaliers file via their residence institution
Non-residents can authenticate against MyGuichet.lu using an EU eID from their home country, so credentials are not usually the bottleneck, the real Luxembourg-specific call is the under-120-months refund-vs-preserve fork, which is irreversible once accepted and only restorable in a narrow window before age 65.
The pension is never awarded automatically, a departed worker who never files leaves it dormant; the refund-vs-preserve fork is never triggered without a demande.
Frontalier core: file in country of residence (France CARSAT / Belgium SFP / Germany DRV) → routes to CNAP; partial pensions per country; +non-EU bilaterals (US, CA, IN, BR…).
Full refund. Our report is a fixed $99 fee; if it delivers nothing material, you pay nothing.
Specific situations we cover. For expats, returning citizens and cross-border workers.
The same kind of guide, other countries
Last reviewed: · Facts verified against the dossier-pipeline gate.
15 pages. 41 countries. Join the list to receive it.
Guide sent to every signup. Occasional PensionHunter updates only if you tick above. Unsubscribe any time.
Some clients order a Pension Identification Report for themselves. Many order it to get their affairs in order: one document their family can find, whatever happens.
We identify what is in your name in Luxembourg and hand you the route in. $99, full refund if we find nothing material.
Find my pensions in LuxembourgImportant Information
PensionHunter is a research and administrative assistance service only. We search pension registries and employer records to identify whether pension entitlements may exist in your name, we do not provide financial advice, manage pension funds, arrange pension transfers, or assist with claiming or accessing pension funds.
PensionHunter is not regulated by the Commissariat aux Assurances (CAA) or any equivalent financial-services or pensions regulator in Luxembourg. Our service is limited to research and information provision. We charge a fixed research fee paid in advance, Full refund if we find nothing material.
All decisions about your pension, including whether to contact providers, transfer funds, or take any other action, remain entirely yours. We strongly recommend consulting a qualified independent financial adviser regulated in your jurisdiction before making any decisions about any pension we locate.