Supplementary pension

Supplementary pension schemes constitute the second pillar of the pension system in Luxembourg. Set up within the framework of professional activity, they supplement the statutory pension in order to increase the level of income in retirement. There are two types of supplementary pension schemes:

1. Schemes for employees: these schemes are set up by companies for their employees and must be registered with the General Inspectorate of Social Security (IGSS), which is the competent authority in this area.
2. Schemes for self-employed persons and former employees: approved by the IGSS, these schemes accept contributions from self-employed persons and the rights of former employees whose former employer no longer wishes to maintain them in the company scheme and who cannot be transferred to the new employer's scheme.

Supplementary schemes may include benefits in the event of retirement, death, disability or survival.

They are optional:

> not all companies necessarily offer such a supplementary pension scheme to their employees. Similarly, self-employed persons are free to choose whether or not to join an approved scheme.

If you are affiliated to a supplementary pension scheme, the IGSS provides you with certain information relating to this scheme via the MyGuichet.lu platform. Access to this data is secure and requires authentication using a LuxTrust product or an electronic identity card.