Pensions Reform: 1 January 2026 Changes

A reform of the Luxembourg pensions regime came into force on 1 January 2026, introducing a range of measures designed to make the regime sustainable and offer more flexibility to insured individuals.

On 18 December 2025, Luxembourg adopted a significant reform of its pensions regime as Parliament voted through bills of law 8634 and 8640. The two laws of 19 December 2025 were published on 19 and 22 December 2025 respectively.¹

The key measures introduced by the reform are as follows: 

• Extension of working career:  starting from 1 January 2026, the 480-month period of mandatory insurance will be gradually increased by up to eight full months of effective contributions, according to the timetable below.