Voluntary insurance

In the field of old-age and disability insurance, two forms of voluntary insurance are provided for, namely:

  • continued insurance
  • optional insurance

The competent social security institution for voluntary insurance is the Social Security Center (www.ccss.lu), as this is an insurance that involves affiliation and the collection of contributions.

Continued insurance

Persons who can demonstrate twelve months of mandatory insurance during the three years preceding their deregistration may apply to continue their insurance. The application to continue insurance must be submitted to the Social Security Center (www.ccss.lu) within six months following the loss of affiliation.

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The 3-year reference period is extended insofar as it overlaps with assimilated periods as well as prior continued or additional insurance periods or periods when the insured person received the benefit of a supplement to the guaranteed minimum income.

The request to continue the insurance must be submitted, under penalty of foreclosure, to the Social Security Centre (www.ccss.lu), under the scheme with which the insured person was last enrolled, within 6 months of the loss of enrolment. This 6-month period is suspended from the date of the application for an invalidity pension until the date on which the decision becomes final.

In addition, insured persons who meet the same conditions as those described above may make voluntary contributions to supplement those paid under the compulsory insurance scheme (supplementary insurance).

Optional insurance

Persons who do not meet the conditions for continued insurance may, with a favorable opinion from the social security medical control board, take out optional insurance starting from the first day of the month following the submission of the application. This applies during periods when they do not work or reduce their professional activity for family reasons (periods of marriage, raising a minor child, or providing assistance and care to a person recognized as dependent).

Applicants must also reside in Luxembourg, have been compulsorily affiliated for at least 12 months, and, at the time of application, must not have reached the age of 65 nor be entitled to a personal pension.

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