Slovenia gives every member a documented route to their own ZPIZ record, and nothing starts until someone asks. We identify what is in your name and hand you the route in. $99, full refund if we find nothing material.
Research date: 2026-08-09. We could not observe raw HTTP status codes, and the ministry's provider list and Kapitalska druzba's occupational pages were unreadable to us, so neither is linked here.
Slovenia's thresholds changed with a reform published on 18 November 2025, phasing in from 1 January 2026, and much of what circulates is stale. Every age and every period figure below carries inline the calendar year it applies to, and none may be restated for another year.
Why this market matters
There is no forfeiture clock to frighten you with in Slovenia and we are not going to invent one. ZPIZ has a documented disclosure route for a member's own record: the izpis obdobij zavarovanja, requested on form Obr. ZPIZ 325-01/1 and submitted by post or by e-mail to a regional unit or to informacije@zpiz.si.
It sells on being straightforward. What takes the time from abroad is the surrounding detail: establishing the right EMSO and surname at birth, the six month retroactivity cap, and the fact that the supplementary layer sits with FURS and AZN rather than with ZPIZ, so asking ZPIZ about a company pension returns nothing useful.
ZPIZ published guidance and forms checked August 2026. No source states a fee and none states the izpis is free.
Start here
$99
Country Pension Identification Report, Slovenia
Within 24 to 48 hours
Full refund if we find nothing material.
Country Pension Identification Report, $99: We identify who holds each pension from each country of your working life that you tick, with the source and the contact route for every holder. If an administrator asks, refuses or does not reply, send it to us and we tell you what to send next.
Enhanced Pension Identification Report, $499: Everything in the Country Report, plus a complete information request for every fund identified, written and ready for you to send. Support after delivery for as long as your case is open.
Global Pension Identification Report, $799: Everything in the Enhanced Report, for every country you worked in, in one document.
Identification only. We do not open credential-protected accounts, and we do not transfer, negotiate, or make decisions regarding any pension. Everything below is the free official route, and it stays free: you are welcome to use it instead.
ZPIZ has nothing to do with the plan register or with supervision, so asking ZPIZ about a company pension gets no useful answer.
ZPIZ states the procedure runs only at the request of the entitled person, and that the pension is paid from the day the conditions are met but at most from the first day of the following month and for six months retroactively.
Someone who reached pension age and did nothing for five years does not gain five years of arrears; he loses all but six months.
The European Commission states that social security coordination does not apply to most supplementary schemes. The trap: nothing routes your application to that money, so an EU application lodged where you live does nothing for a Slovenian collective scheme.
employment-social-affairs.ec.europa.eu, supplementary pensions
Voluntary supplementary insurance, joined individually or through an employer. The collective form is what matters here. AZN names only Prvi pokojninski sklad, managed by Modra zavarovalnica, d.d., and Kritni sklad, managed by Kapitalska druzba, d.d.
Compulsory occupational insurance for miners, police officers, soldiers, opera singers and ballet dancers, through the SODPZ fund run by Kapitalska druzba.
One quarter of occupational-insurance time counts toward ordinary pension eligibility, so such a person may be nearer the threshold than the ZPIZ record suggests.
Employer name and exact dates. Then the ZPIZ izpis, which evidences employer and dates. Then the plan through the FURS register. Then the provider direct, or SODPZ for hazardous work.
Two statutory routes as amended: age 62 with 40 years of pokojninska doba, and age 67 with 15 years of zavarovalna doba. The second is confirmed at Article 27 of ZPIZ-2O, Uradni list RS no. 90/2025 of 18 November 2025. Those are the reform's target figures, not today's.
zavarovalna doba and pokojninska doba are kept distinct here and neither is paraphrased as years of contributions. We retrieved no official definition of the difference.
ZPIZ states that insurance periods completed in other EU Member States or contracting states are also taken into account towards the eligibility conditions.
ZPIZ's published partners are Argentina, Australia, Bosnia and Herzegovina, Montenegro, South Korea, Canada and Quebec, North Macedonia, Serbia, the United States.
Croatia is absent from that list and no ZPIZ page for Croatia was found. That is all we publish on it.
Kosovo does not appear on ZPIZ's published list of countries with which Slovenia has a bilateral social security agreement.
ZPIZ states for Serbia that, exceptionally, insurance period completed in the other contracting party up to 8 October 1991 counts in the duration recognised under the rules then in force.
The cut-off is not uniform. Serbia and Bosnia and Herzegovina render 8 October 1991, Montenegro 7 October 1991, and North Macedonia 31 March 1992. Each carries its own date, to be checked treaty by treaty.
One rule is sourced: under Article 35(1) of the Slovenia-Bosnia and Herzegovina ratification law, periods completed in other states that the former Socialist Federal Republic of Yugoslavia had assumed by treaty fall to the contracting state of which the person is a national on the day the application is lodged. Liability follows citizenship at the date of application, not where the work was done.
Beyond that we could not establish a general rule allocating ordinary pre-1991 Yugoslav periods between Slovenia and each successor state. We will not infer one. The question goes to ZPIZ in writing.
Ask for the izpis obdobij zavarovanja, the printout of insurance periods, successor to the delovna knjizica, which was abolished from 1 January 2009. Carry its caveat with you: the izpis proves insurance status, not that contributions were paid, so it gives employers and dates, not entitlement.
The form is Obr. ZPIZ 325-01/1. The identifier is the EMSO, the 13-digit personal number, and the form also asks for surname at birth.
zpiz.si, izpis after the delovna knjizica, zpiz.si, application form, PDF
The online channel, eVloge za VSE, sends a PIN by SMS to a mobile number. Or post or e-mail of the form to a regional unit or to informacije@zpiz.si.
With no Slovenian e-credentials, the reliable answer is paper: the form by post or e-mail to informacije@zpiz.si. We could not confirm that eVloge za VSE delivers its SMS PIN to a foreign mobile number, so we do not promise it works from abroad.
Cost. No source states a fee, and none states the izpis is free.
Language. Assume the izpis is issued in Slovene. We do not say ZPIZ accepts English correspondence.
From an EU Member State the application goes to the competent institution in the Member State of permanent residence. That covers the state pension only: nothing for the supplementary layer, and nothing outside the EU, EEA and the agreement states.
Ordered by how often the missing item stops everything.
The EMSO is the identifier on the form, so without it the route stops.
Apply this one with caution. Three things rescue such cases: aggregation of EU and agreement-country periods, the enhanced characterisation of pre-1991 Yugoslav periods, and the dodana doba quarter-credit. A short Slovenian stint is not on its own a rule-out.
Rule it out only after checking all three: no employer collective scheme, no individual enrolment, and no hazardous or arduous work.
No. ZPIZ states the procedure runs only at the request of the entitled person, and that the pension is paid from the day the conditions are met but at most from the first day of the following month and for six months retroactively. So someone who reached pension age and did nothing for five years does not gain five years of arrears; he loses all but six months.
No. The European Commission states that social security coordination does not apply to most supplementary schemes. Nothing routes your application to that money, so an EU application lodged where you live does nothing for a Slovenian collective scheme. Filing from an EU Member State covers the state pension only: nothing for the supplementary layer, and nothing outside the EU, EEA and the agreement states.
ZPIZ keeps the state record, issues the izpis and takes the application. The Register odobrenih pokojninskih nacrtov, the register of approved pension plans, is held by FURS. Supervision of insurers and pension companies is AZN's. ZPIZ has nothing to do with either, so asking ZPIZ about a company pension gets no useful answer. Kapitalska druzba runs the compulsory occupational fund.
Not on its own. ZPIZ states that insurance periods completed in other EU Member States or contracting states are also taken into account towards the eligibility conditions. Three things rescue short cases: aggregation of EU and agreement-country periods, the enhanced characterisation of pre-1991 Yugoslav periods, and the dodana doba quarter-credit, under which one quarter of occupational-insurance time counts toward ordinary pension eligibility.
Ask for the izpis obdobij zavarovanja, the printout of insurance periods, successor to the delovna knjizica, which was abolished from 1 January 2009. The form is Obr. ZPIZ 325-01/1 and the identifier is the EMSO; the form also asks for surname at birth. Channels are eVloge za VSE, which sends a PIN by SMS, and post or e-mail of the form to a regional unit or to informacije@zpiz.si. We could not confirm eVloge za VSE delivers its SMS PIN to a foreign mobile number, so with no Slovenian e-credentials the reliable answer is paper. No source states a fee and none states the izpis is free.
ZPIZ states for Serbia that, exceptionally, insurance period completed in the other contracting party up to 8 October 1991 counts in the duration recognised under the rules then in force. The cut-off is not uniform: Serbia and Bosnia and Herzegovina render 8 October 1991, Montenegro 7 October 1991, and North Macedonia 31 March 1992, so each carries its own date, to be checked treaty by treaty. One further rule is sourced: under Article 35(1) of the Slovenia-Bosnia and Herzegovina ratification law, periods completed in other states that the former Socialist Federal Republic of Yugoslavia had assumed by treaty fall to the contracting state of which the person is a national on the day the application is lodged, so liability follows citizenship at the date of application, not where the work was done. Beyond that we could not establish a general rule allocating ordinary pre-1991 Yugoslav periods between Slovenia and each successor state, we will not infer one, and the question goes to ZPIZ in writing.
Start here
$99
Country Pension Identification Report, Slovenia
Within 24 to 48 hours
Full refund if we find nothing material.
Country Pension Identification Report, $99: We identify who holds each pension from each country of your working life that you tick, with the source and the contact route for every holder. If an administrator asks, refuses or does not reply, send it to us and we tell you what to send next.
Enhanced Pension Identification Report, $499: Everything in the Country Report, plus a complete information request for every fund identified, written and ready for you to send. Support after delivery for as long as your case is open.
Global Pension Identification Report, $799: Everything in the Enhanced Report, for every country you worked in, in one document.
Identification only. We do not open credential-protected accounts, and we do not transfer, negotiate, or make decisions regarding any pension. Everything below is the free official route, and it stays free: you are welcome to use it instead.
Important 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 help anyone apply for or access pension funds.
PensionHunter is not regulated by the Financial Conduct Authority (FCA) or any equivalent financial-services or pensions regulator in your jurisdiction. 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.