Employment, Social Affairs & Inclusion

Belgium - Old-age pensions and benefits

In what situation can I claim?

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.

What conditions do I need to meet?

In Belgium the legal pension age is set at:

  • 65 years for those retiring on or before 31 January 2025;
  • 66 years for those retiring between 1 February 2025 and 31 January 2030 inclusive;
  • 67 years for those retiring on or after 1 February 2030

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.

What am I entitled to and how can I claim?

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)

  • For a single person or a married person without a dependent spouse: S x 60% x length of period of insurance / 45;
  • For a married person with a dependent spouse: S x 75% x length of period of insurance / 45.

Other benefits, linked to pensions, may be provided for the elderly:

  • the heating allowance granted to retired miners (31.74 € per year): it is awarded for each year of work completed in the mines with a maximum of 30 years (maximum € 952.20);
  • a holiday allowance and supplementary holiday allowance: the holiday allowance is granted annually to recipients of an old-age pension for the month of May in the current year. The allowance is a flat-rate amount and depends on the type of pension.

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.

Jargon busters

  •  Holiday allowance: remuneration paid by the employer to the worker during their statutory leave.
  • SFP: Federal Pensions Fund (Service fédéral des pensions). Public social security institution responsible for administering old-age and survivor's pensions for salaried workers and public sector pensions. http://www.sfpd.fgov.be/fr.
  • INASTI: National Insurance Institute for the self-employed (Institut national d'assurances sociales pour travailleurs indépendants). A public social security institution, INASTI administers pensions for self-employed workers. http://www.inasti.be/fr.

Know your rights

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:

Who do you need to contact?

If you are employed or a civil servant: the Federal Pensions Service (SFP)

  • Free phone number from Belgium: 1765
  • Chargeable number from abroad: +32 78151765
  • Address: Tour du Midi - 1060 Brussels
  • Website: http://www.sfpd.fgov.be/fr

If you are self-employed: the National Insurance Institute for the Self-employed (INASTI)

In the event of any problems with your rights as a European citizen: EU helpdesks

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