Pension Europa 3

1. Pension Europa 3 Speed
2. Pension Europa 3*
3. Pension Europa Lermoos

In general, the rules which apply to old-age pensions also apply to invalidity pensions and to pensions for surviving spouses or orphans. More information. Check our frequently asked questions for further information on how to claim your pension, your healthcare rights, the pensionable age and other related issues. The 2019 edition of Pensions at a Glance highlights the pension reforms undertaken by OECD countries over the last two years. Moreover, two special chapters focus on non-standard work and pensions in OECD countries, take stock of different approaches to organising pensions for non-standard workers in the OECD, discuss why non-standard work raises pension issues and suggest how pension settings.

The following rules apply if you live and have worked in one or more EU countries, Iceland, Liechtenstein, Norway or the United Kingdom.

Who pays your pension?

• In each country, your insurance record is preserved until you reach the pensionable age.
• Every country where you have been insured for at least one year will pay you an old-age pension, when you reach its national pensionable age.
  For shorter periods see our frequently asked questions
• For example, if you have worked in three countries, you will get three separate old-age pensions.

How is your pension calculated?

Your pension will be calculated according to your insurance record in each country: the sum you will receive from each of these countries will correspond to the length of your social security coverage there. You will receive a Summary note (document P1) which will give you an overview of the decisions made by each country on your claim. Microsoft word 2019 16 24.

Where should you apply?

Even if you have worked in several countries, you should apply for your pension in the country where you live, unless you never worked there. In the latter case, you should apply in the country where you last worked.
Use our directory to find a contact institution

Retiring abroad

Your pension will be paid regardless of where you stay or reside within Europe (EU 27 + Iceland, Liechtenstein, Norway, Switzerland or the United Kingdom). For conditions in other countries see our frequently asked questions.

Other pensions

In general, the rules which apply to old-age pensions also apply to invalidity pensions and to pensions for surviving spouses or orphans.

More information

Check our frequently asked questions for further information on how to claim your pension, your healthcare rights, the pensionable age and other related issues.

Still need help?

Haven't found the information you're looking for?

Statsbar 2 6 download free. Find out about your social security and healthcare rights in another EU country (Your Europe)
Make an enquiry via Europe Direct00800 6 7 8 9 10 11
Solve problems with a national administration (SOLVIT)
Get legal advice from the Your Europe - Advice service

Insurers are major pension providers

Multi-pillar pension systems are widely seen as the most effective way to ensure the sustainability and adequacy of retirement provision, as traditional, state-run systems are put under increasing strain by greater longevity. As major providers of a wide variety of occupational and personal pensions, insurers are a key part of any multi-pillar system.

Key to ensuring that people are provided for in old age is creating a future-proof regulatory environment. This needs to foster the performance and diversity of pension products. It needs to enable insurers to play their role in tackling the pension saving gap while ensuring that there is a level regulatory playing field for all pension providers. And it needs to support good governance and ensure people have clear information and certainty in their preparations for retirement.
Insurance Europe engages with EU policymakers in all the debates that affect pension provision, including: the pan-European personal pension product (PEPP); the 2020 Solvency II review; the recommendations of the EC High-Level Expert Group on pensions; a financial transaction tax (FTT); the implementation of the Institutions for Occupational Retirement Provision (IORP II) Directive; and the role of private pension savings in kickstarting growth through the Capital Markets Union project.

Hover over the bars for each data point, or click on a bar to see life or non-life premiums by country data.

Notes:
Nominal €-values at current end-of-year exchange rates
Nominal %-growth at constant end-of-year exchange rates
Figures are for Domestic Market (business written on home territory by domestic companies, including subsidiaries + 3rd country branches), unless stated otherwise
Size of the sample (as % of total premiums): 99.81%

Even if you have worked in several countries, you should apply for your pension in the country where you live, unless you never worked there. In the latter case, you should apply in the country where you last worked.
Use our directory to find a contact institution

Retiring abroad

Your pension will be paid regardless of where you stay or reside within Europe (EU 27 + Iceland, Liechtenstein, Norway, Switzerland or the United Kingdom). For conditions in other countries see our frequently asked questions.

Other pensions

In general, the rules which apply to old-age pensions also apply to invalidity pensions and to pensions for surviving spouses or orphans.

More information

Check our frequently asked questions for further information on how to claim your pension, your healthcare rights, the pensionable age and other related issues.

Still need help?

Haven't found the information you're looking for?

Statsbar 2 6 download free. Find out about your social security and healthcare rights in another EU country (Your Europe)
Make an enquiry via Europe Direct00800 6 7 8 9 10 11
Solve problems with a national administration (SOLVIT)
Get legal advice from the Your Europe - Advice service

Insurers are major pension providers

Multi-pillar pension systems are widely seen as the most effective way to ensure the sustainability and adequacy of retirement provision, as traditional, state-run systems are put under increasing strain by greater longevity. As major providers of a wide variety of occupational and personal pensions, insurers are a key part of any multi-pillar system.

Key to ensuring that people are provided for in old age is creating a future-proof regulatory environment. This needs to foster the performance and diversity of pension products. It needs to enable insurers to play their role in tackling the pension saving gap while ensuring that there is a level regulatory playing field for all pension providers. And it needs to support good governance and ensure people have clear information and certainty in their preparations for retirement.
Insurance Europe engages with EU policymakers in all the debates that affect pension provision, including: the pan-European personal pension product (PEPP); the 2020 Solvency II review; the recommendations of the EC High-Level Expert Group on pensions; a financial transaction tax (FTT); the implementation of the Institutions for Occupational Retirement Provision (IORP II) Directive; and the role of private pension savings in kickstarting growth through the Capital Markets Union project.

Hover over the bars for each data point, or click on a bar to see life or non-life premiums by country data.

Notes:
Nominal €-values at current end-of-year exchange rates
Nominal %-growth at constant end-of-year exchange rates
Figures are for Domestic Market (business written on home territory by domestic companies, including subsidiaries + 3rd country branches), unless stated otherwise
Size of the sample (as % of total premiums): 99.81%

Pension Europa 3 Speed

Pension Europa 3*

Pension Europa Lermoos