Every person who has worked either as a paid employee, a self-employed person or a public sector employee in Belgium has a right to a retirement pension at the end of their career.
In Belgium the legal pension age is set at:
However, all individuals can receive an early retirement pension, if certain age and career conditions are met. From 1 January 2018 onwards, recipients have to be at least 63 years of age and have 41 years of service.
There are exceptions for long careers; pension can be taken at 60 for those with 43 years of service, and 61 for those with 42 years of service.
Depending on the profession, there are 3 pension regimes in force:
It is possible for you to resume or pursue professional activities as a pensioner. However there are certain requirements which you have to meet. For more detailed information please refer to the Federal Pensions Service website (SFP): http://www.sfpd.fgov.be/fr.
The pension for employees is calculated in relation to the length of insurance, earnings on which contributions have been paid (within the ceiling limit) and the family circumstances of the pensioner. It is based on the following formulae (S = the reference salary)
Other benefits, linked to pensions, may be provided for the elderly:
Pension applications must be submitted to the municipal administration of your place of residence. If you live in another EU Member State, you must send your application to the local pension institution in that State. To avoid delays in the processing of your case, you are advised to submit your application 1 year before reaching retirement age.
There are two ways in which you can receive your pension. It can be paid either by postal order, which can be sent to you at home, or by transfer into a post office or bank account in your name.
The links below allow you to find out more about your rights. These sites are not dependent upon the European Commission and so do not represent the viewpoints of the latter;
Commission publication and websites:
If you are employed or a civil servant: the Federal Pensions Service (SFP)
If you are self-employed: the National Insurance Institute for the Self-employed (INASTI)