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Your pension rights explained

Have you worked in one or more European countries? Are you worried about your pension rights? A recently published leaflet on pensions in the EU outlines your entitlements.
With so many Europeans choosing to live and work in another country thanks to the Freedom of Movement principle, many may face problems when retiring. With an increasingly ageing, yet still mobile, population, pension rights in Europe can often prove quite confusing.
A leaflet published in 2012 by the EU aims at addressing this issue. It outlines the basic pension rights that European citizens are entitled to and explains how to claim a pension for those who have worked in more than one EU Member State, as well as Iceland, Liechtenstein, Norway and Switzerland, in a step-by-step process. Questions such as which country pays, and how the pension will be calculated, are answered.
In general, pensions are calculated according to an individual’s insurance record in each country in which they have lived and worked. The sum received from each of these countries will correspond to the length of a worker’s social security coverage there.
Even if a person has worked in several countries, retirees should apply for their pension in their country of residence. If an individual has never worked in that country, then an application should be submitted to the country where they last worked.
Social security obligations and coordination across the EU is quite a complex matter. It must be remembered that the rules on social security obligations in the EU do not replace national social security schemes. Instead, the EU provides some common rules to protect your social security benefits when moving through Europe.
However, thanks to this new, free and handy leaflet, workers will now have information on what they may be entitled to, and how to claim their pension on retirement.
Read more:
Social security leaflet on mobility
Search for information on EU social security coordination

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