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Luxembourg social security is centrally managed by the Centre Commun de la Sécurité Sociale - CCSS.
Social security contributions are paid by both the employer and the employee. The total rate is approximately 25 percent of gross salary, and cannot exceed five times the minimum wage (salaire social minimum). Self-employed workers pay their own contributions. Pensioners do not pay social security contributions.
A special social security status exists for people employed by a family, whether full time or part time, for example cleaners or baby sitters. Families receive a tax rebate, up to a maximum amount per year if they legally employ personnel. Employees are entitled to benefits in the event of illness, accident or pregnancy, as well as annual paid leave. They also contribute towards their retirement pension. The procedure for registering private employees is simple and does not require the use of an accountant.
A number of benefits are available to Luxembourg residents and their families, who have made contributions to a social security fund.
Sickness benefits for temporary work incapacity are paid by the National Health Office (Caisse Nationale de Santé).
Employees should declare any sickness leave to their employer immediately, even if it is a half day. The employee must provide a medical certificate if they are absent for more than two days.
To benefit from sickness insurance, the employee must obtain a temporary work incapacity form (constat médical d’incapacité de travail) from a doctor. This includes the beginning and end dates of the temporary work incapacity and the date the form was filled in. The first sheet of the form must be sent to the employer, the second sheet to the Caisse Nationale de Santé. The form must be sent within three days of the beginning of the illness.
The amount paid is calculated according to the salary received over the last 12 months, but cannot exceed the equivalent of five times the minimum wage.
In order to benefit from any maternity allowances the mother-to-be must be resident in Luxembourg and in most cases should have worked at least six months prior to the pregnancy.
Pregnant women are entitled to eight weeks optional paid leave before the birth and eight weeks compulsory paid leave after the birth. This can be extended to 12 weeks in cases of premature births, multiple births or if the mother is breast feeding. At the end of this period, she should be re-integrated at an equivalent position for at least the same salary. Mothers who adopt are also entitled to 8 to 12 weeks paid maternity leave.
The benefit is paid by the Caisse de Maladie and cannot exceed five times the minimum wage. Pregnant women should send a medical certificate to the Caisse de Maladie in the last 12 weeks of pregnancy in order to receive maternity benefits.
Following the birth a number of allowances are available:
In order to qualify for any unemployment benefits the person must be resident in Luxembourg. Cross border workers (travailleurs frontaliers) who have worked in Luxembourg but live abroad should apply for benefits in their place of residence.
A person who has worked at least 16 hours a week for at least 26 weeks within the last 12 months may receive unemployment benefits. The length of time for which payments are made will depend on the amount of time worked within the last 12 months. Applicants must file for benefits at their local Employment Office (Administration de l'Emploi - ADEM).
Job seekers eligible for unemployment benefits must apply for these within 15 days following the end of an employment contract and after registration at the employment office has been carried out. They will need to provide the following documents to the employment office:
A supplementary allowance for disabled children (Allocation supplémentaire pour enfant handicapé) is available in order to cover the costs related to the child's disability. Disabled residents of Luxembourg, who are unable to find work, or whose disability does not allow them to work may be entitled to a Severely Disabled Persons Income (Revenu pour personne gravement handicapée).
The overseeing body for pensions in Luxembourg is the Caisse Nationale d'Assurance Pension (CNAP). Employees are entitled to a retirement pension after a minimum of 120 months of contributions. The legal retirement age is 65, or from age 57 if the employee has contributed for 480 months.
The insured person must apply for their retirement pension at least two months before their retirement date. The form must be sent to the CNAP.
In the event of death, the family of the deceased contributor can receive a survivor's pension (pension de survie). Applications can be filed at the National Pensions office (Caisse Nationale d’Assurance Pension). To be entitled to the benefit, the deceased person must have been insured for at least 12 months.
In the event of the death of a person insured by Luxembourg Social Security (or a stillborn child) it is possible to claim a small state benefit in the form of a funeral allowance (indemnité funéraire). This is to cover burial costs, the coffin, flowers, transportation, cremation or burial, obituary, municipal taxes and expenses. The benefit is reduced to 20 percent of the funeral allowance in the event of the death of a still born child and 50 percent of the allowance for children under six. These benefits will be paid directly to the funeral home, with any leftover money paid to survivors who lived with the deceased. The benefits are capped and reviewed on a yearly basis.
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