Information about the pension scheme changes in 2026

On 18 December 2025, the Chamber of Deputies adopted the bill on adjustments to certain pension schemes. The adjustments aim to strengthen the financial sustainability of the system while maintaining the legal retirement age at 65. They will stabilise the finances of the general pension scheme until 2042 and preserve reserves until 2050.

Main adjustments:

  • Increase in the overall contribution rate from 24% to 25.5%
  • More flexible consideration of years of study from the age of 18
  • Gradual increase in the contribution period for early retirement pensions (from 1 July 2026 only)
  • Introduction of a progressive pension in the general scheme

From 1 January, a tax allowance will also be introduced for employees who are already eligible for retirement but choose to continue working, even on a part-time basis. This tax allowance can be requested via MyGuichet.lu. For more information, click here.

👉 Good to know:

  • From 1 January, the CNAP will resume processing pension estimates and applications that have been on hold in recent weeks, pending the implementation of the new pension law for 2026.
  • There is no need to contact us to find out if your application has been resumed; all pending applications will be resumed automatically over the coming weeks.

👉 PLEASE NOTE! The following are not affected by the changes:

  • Pensions already being paid,
  • Old-age pensions from the age of 65,
  • Early retirement pensions from the age of 57.

👉 PRACTICAL PROCEDURE:

👉 More information here:

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