Pension question, Luxembourg
How many years do I need for a Luxembourg pension?
An old age pension at 65 needs 120 months of insurance, and CNAP confirms those ten years may be assembled from several countries. But a non-resident needs at least one year inside Luxembourg: below that, guichet.lu states the Luxembourg months are counted by whichever country pays, and give no right to payment from a Luxembourg fund.
- Source: cnap.public.lu, guichet.public.lu, secu.lu, gouvernement.lu, read 4 October 2026
What to do next
- Count your insured months in Luxembourg and in every other country.
- Find your Luxembourg social security number on old payslips.
- Run our free check to see which countries may hold a pension in your name.
Check your own working life for free
Tell us where you worked. The free check shows which countries may hold a pension for you, and which can be ruled out and why. No sign in, no charge.
Run the free checkQuestions people also ask
Can missing insurance periods be bought back?
An application to buy back (retroactively purchase) insurance periods must be made before the age of 65 and before the person receives a personal pension.
Do you give advice on what to do?
No. We identify where a pension is likely held and the official route to it, and we name each source with the date we read it. We do not give financial, tax or legal advice.