PENSION CLAIMS IN EUROPE

Are you missing part of your pension? We can help.

At Quaerens, we support individuals who are facing pension-related issues across Europe, especially in cross-border situations. Whether you're a worker who has moved between EU countries or someone whose pension rights were wrongly reduced, we help you understand and assert your rights.

What Can You Claim Regarding Your Pension?

• ✅ You worked in multiple EU/EEA countries and your pension is incomplete: Under Regulation (EC) No 883/2004, EU citizens are entitled to aggregate their insurance periods across member states. Each country where you worked must calculate your pension based on your total working time in the EU. If one country fails to recognize your periods abroad, you may lose benefits — and you can claim back those losses.
• ✅ You didn’t receive pension updates or transfers from abroad: If a foreign pension institution failed to transfer your pension rights or notify you properly, they may be liable for errors. In some cases, late payments or missing indexations can be recovered retroactively with interest.
• ✅ Your company pension scheme failed or was mismanaged: If you were promised an occupational pension and your employer went bankrupt or failed to pay contributions, you may have a claim against a guarantee scheme or insurer. For example, in countries like the UK and Germany, pension protection funds may cover some losses.
• ✅ You were mis-sold a private pension or advised to transfer out of a better plan: Inappropriate pension advice or transfers (such as QROPS mis-selling) can result in significant financial loss. This is especially common for expats — and may entitle you to financial compensation from advisors, platforms, or insurance firms.
• ✅ Your pension was wrongly taxed or double-taxed: You can claim refunds for incorrect taxation, especially if you're being taxed twice — once in the country of work and again in the country of residence. The EU double taxation agreements and OECD Model Convention protect you from this, but mistakes often happen.

Legal Basis for Your Rights

• Regulation (EC) No 883/2004 on social security coordination – Ensures that pension and benefit rights are protected when individuals move between EU countries.
• Directive 2014/50/EU on minimum requirements for pension rights in mobility – Guarantees that workers keep and transfer certain pension entitlements when changing jobs or moving across borders within the EU.
• National laws and guarantee schemes (e.g. UK’s Pension Protection Fund, German Pensionssicherungsverein) – Provide local safeguards to protect pension rights in the event of employer insolvency or scheme failure.
• Double Tax Treaties between EU and non-EU countries – Prevent double taxation on cross-border pension income and clarify which country has taxing rights.
• Consumer protection laws in case of pension mis-selling – Offer compensation and legal recourse if pension products were sold unfairly or without proper disclosure.

How Quaerens Helps

✅ Analyse your pension history and identify missing or underpaid amounts – We review your employment and contribution records to uncover gaps, errors, or overlooked entitlements.

✅ Communicate with pension authorities across borders – Our team engages with institutions in different countries to ensure your rights are recognised and enforced internationally.

✅ Challenge pension denials or miscalculations – If your pension was wrongly reduced, delayed, or refused, we build and submit the case to have it corrected.

✅ Claim compensation from advisors, funds, or former employers – We pursue claims against those responsible for poor advice, mismanagement, or mis-selling of pension products.

✅ Recover pension rights from bankrupt or dissolved companies – When companies collapse, we help recover your rights through guarantee schemes, group liability, or insolvency proceedings.

Act Now Start Your Pension Claim Today

If you believe you're owed pension benefits — or just want us to check — fill out our free consultation form. We'll review your case at no cost and let you know what you can claim.