Ask Larry

Will Receiving A Pension From Luxembourg Have Any Effect On My Social Security Benefit Amount?

I just turned 65 and was informed by the CNAP Luxembourg that I am eligible for a Luxembourg pension (filed last month seeking reimbursement funds). I am also eligible for the US Social Security program (plans were to file at 66.5 years of age). Does receiving a Luxembourg pension have any affect on my Social Security qualifications and/or the currently listed monthly distribution)?
Thank you


Hi Tim. Yes, if your pension from Luxembourg is based on your earnings, then your Social Security retirement benefit rate could be lowered due to the Windfall Elimination Provision (WEP) ( How much if any reduction may apply in your case depends on a number of different variables, though.

Our software ( is programmed to handle WEP calculations, so it sounds like you should strongly consider using the software to determine what effect that your pension from Luxembourg might have on your benefit rate, and to fully analyze all of your filing options so that you can determine your best strategy for maximizing your benefits.

Best, Jerry

Mar 4 2022 - 1:17pm
MaxiFi software running on a laptop
Get What's Yours!
Discover tens of thousands in extra retirement dollars with Maximize My Social Security software!
  • Find your maximized strategy
  • Unlimited what-ifs
  • Step-by-Step filing instructions
  • Our software's lifetime-benefit increase for an illustrative couple earning $65K each and planning to take retirement benefits at 62.

    Results will differ based on your specific case and filing strategy.

Getting Started is Easy
Web-based software. Works on ALL browsers. No download.