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Finance & Business
Pensions & Insurance
Editor's Guide: Pensions & Insurance in Luxembourg
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Here's a short introduction to our Pensions & Insurance section for Luxembourg.Overseas insurance
Understanding overseas insurance is essential for expats, whether it be medical, work-related, life insurance, insuring your house or car, or taking out special insurance relevant to your lifestyle. Some countries require self-employed expats to insure themselves. In Expatica's Pensions and Insurance channel you can find articles such as "Expert tips: How to protect your family against unforeseen events" and "Private health insurance - which policy?" The bottom line is: insure yourself, your home, car and any other valuable property. Make sure you understand the intricacies of the local insurance system, or you might find yourself out of pocket in the event of a crisis.
Pension transfer
If you are a country-hopper, make sure you are aware of your pension rights as an expat, if you are eligible for pension transfer, if your company has a pension plan or if you need to take out a private plan. Expatica articles such as ‘How changes to UK pension law can benefit expats', looks at legislation that allows those with UK-based pensions to move their benefits overseas into a Qualified Recognised Overseas Pension Scheme (QROPS) and while 'Retirement planning for American expats' (parts I and II) looks at the proper use of retirement accounts for Americans living abroad.
Pensions across borders
The EU is currently working to ensure that supplementary pension entitlements are not lost when people move within and across borders. Check out our HR channel for up-to-date information on this topic.
Pan-European company pensions
Although the Pan-European Pension, or the IORP Directive, was signed in 2003, many companies are still not using a pan-European scheme. Expatica's article ‘European portable pensions plans' looks at how the EU is trying to facilitate pension transfers.
Ask the expert
Expatica offers expert advice in articles like 'Expert tips: How to plan your retirement' and "Expert tax tips for UK expats" and "Expat guide to offshore investment". If you have further questions on overseas insurance or pension transfers, visit our Ask the Expert section and get your answer from someone in the know.
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