After leaving Luxembourg
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.
Start a $99 Country Pension Identification ReportFull refund if we find nothing material.
Every line below is drawn from the verified country dossier. We never fabricate facts; candidate items are gated out of customer-facing copy.
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
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
Everything above is drawn from the verified Luxembourg dossier. The Luxembourg country page sets out what we identify, what it costs and who it is for.
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.
No. We identify the scheme and access route. We do not advise on transfer, consolidation, drawdown, or taxation, those decisions belong with a regulated adviser in your country of residence.
Full refund. Our report is a fixed $99 fee; if it delivers nothing material, you pay nothing.