Insurance in several states
If pension insurance periods have been acquired in other EU states or in a country with which an agreement in the field of pension insurance has been concluded, these periods are taken into account in the calculation of pensions. If there is a pension entitlement, each state pays its own pension as soon as retirement age has been reached according to the legal provisions of the respective state.
Applications for a pension should be made to the respective pension insurance institution in the country of residence of the insured. When doing so, you should point out that insurance periods have also been acquired abroad. It is not necessary to apply for a pension separately in each country. The pension insurance institution where the application was made will automatically initiate the cross-border pension establishment procedure.
For those who have worked in several countries and acquired pension insurance periods in other EU states or in a country with which an agreement in the field of pension insurance has been concluded, pension entitlements can be claimed in several states. Information on cross-national pension insurance can be found in the category ‘Pension insurance' in the chapter ‘Insurance in several states'.
The Europe Direct service provides additional assistance in finding answers to personal queries on the European Union. This advice service can be contacted on the freephone number 00 800 67 89 10 11.*
* Some mobile phone companies do not provide access to 00 800 numbers, or charge for calls.
Pension policy is a matter for the individual nation states to decide upon. International organisations such as the EU, the Organisation for Economic Cooperation and Development (OECD), the International Labour Organization (ILO), the International Monetary Fund (IMF) or the World Bank conduct international comparisons of the development of pensions and pensions policy.