8 April 2025 A closer look at Pillar 2 pensions: what is in the federal coalition agreement? On 31 January 2025, the federal government concluded a coalition agreement. Below we set out the key measures* in the reforms that the government wants to implement in connection with the second pension pillar. 8 April 2025 How does the increase in the statutory guaranteed return on supplementary pensions affect your company? The Supplementary Pensions Law (WAP) requires employers to guarantee a minimum return on supplementary pension contributions for the duration of employees’ scheme membership. This minimum return is calculated on 1 June every year and takes effect on 1 January of the following year. Since 2016, it has been 1.75%; from 2025 it rises to 2.50%. How does this affect you as an employer? 29 January 2025 Unified status for supplementary pension plans from 2030: get your organisation ready A "calmer" starting of the year compared to 2023 in terms of the new ceilings. What is new is that the maximum deductible premiums in the 3rd pension pillar are indexed for the first time in 4 years. 15 January 2025 What are the current trends in Employee benefits? In a world that’s constantly changing, it’s essential to look ahead and make strategic choices. You can then position your company in the job market as a future-proof employer and offer your employees an attractive Employee Benefits package. Here are eight key trends and insights you definitely don’t want to overlook. 30 January 2024 2024 Tax Ceilings A "calmer" starting of the year compared to 2023 in terms of the new ceilings. What is new is that the maximum deductible premiums in the 3rd pension pillar are indexed for the first time in 4 years. 13 November 2023 Are we heading towards a new minimum employer’s guarantee? Since the introduction of the Belgian Supplementary Pensions Act (Wet op de Aanvullende Pensioenen) in 2004, every pension provider has to factor in a statutory return guarantee, better known as the ‘employer’s guarantee’, which is unique in Europe. 27 January 2023 2023 Tax Ceilings What a debut for the tax figures in this new year, the new wage ceilings for calculating social security supplements for wage earners and the self-... 21 December 2022 Insurance and medical procedures The procedures for medical acceptance of insured risks such as death, guaranteed income and hospitalisation, have long been a headache. Even more... 13 October 2022 Teleworking: what happens in the case of a workplace accident? Key points to consider Searching for a new work culture is undeniably the norm in almost every work environment today. What is known as ‘hybrid working’ is evolving after... 17 May 2022 Change to the statutory pension estimate for self-employed A proverbial bomb dropped recently in the circle of experts who calculate supplementary pensions for the self-employed. On 31 March, the tax... 29 March 2022 Payment of a supplementary pension Much ink has been spilled about when a company pension may be paid and what tax rate it is subject to, but little has been written about how this... 23 January 2022 2022 Tax Ceilings A new year, new hopes, new wage ceilings and new fiscal maximums for calculating social security supplements for wage earners and the self-employed... 18 January 2021 2021 Tax Ceilings Following the annual tradition, we publish on our website the salary ceilings and fiscal maximums that are important for calculating the social... 22 December 2020 Insurers prolong their support measures Within Assuralia, the federation of insurance companies, it was decided last week to extend the measures already taken in the context of the COVID... 16 April 2020 Coronavirus and your personnel insurance policies It should come as no surprise that since the ‘semi-lockdown’ of Friday, 13 March – which goes to show just how symbolic a date can be – our country... 26 February 2020 'Shortfall in 2 out of 3 group insurance schemes’? (DS 10 Feb. 2020) Fake News! ‘Shortfall in 2 out of 3 group insurance schemes’? (DS 10 Feb. 2020) Fake News! The study of the Belgian Financial Services and Markets Authority (... 22 January 2020 2020 tax ceilings and other changes In addition to the new tax ceilings and ceilings that are important for statutory pensions, supplementary pensions and other replacement incomes,... 19 December 2019 Continued guaranteed income on leaving employement? By now, everyone is familiar with the individual continuation of group hospitalisation insurance facilitated by the Verwilghen Act (1 July 2007) ... 23 January 2019 Tax ceilings 2019 It took a while before all authorities confirmed the new figures. Here is an overview of the new tax limits and ceilings that are important for the... 19 November 2018 The VAPW, an empty shell? Another new pension vehicle is in the pipeline: this time, to accrue a supplementary pension in the second pillar through an employer. Following the... 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8 April 2025 A closer look at Pillar 2 pensions: what is in the federal coalition agreement? On 31 January 2025, the federal government concluded a coalition agreement. Below we set out the key measures* in the reforms that the government wants to implement in connection with the second pension pillar.
8 April 2025 How does the increase in the statutory guaranteed return on supplementary pensions affect your company? The Supplementary Pensions Law (WAP) requires employers to guarantee a minimum return on supplementary pension contributions for the duration of employees’ scheme membership. This minimum return is calculated on 1 June every year and takes effect on 1 January of the following year. Since 2016, it has been 1.75%; from 2025 it rises to 2.50%. How does this affect you as an employer?
29 January 2025 Unified status for supplementary pension plans from 2030: get your organisation ready A "calmer" starting of the year compared to 2023 in terms of the new ceilings. What is new is that the maximum deductible premiums in the 3rd pension pillar are indexed for the first time in 4 years.
15 January 2025 What are the current trends in Employee benefits? In a world that’s constantly changing, it’s essential to look ahead and make strategic choices. You can then position your company in the job market as a future-proof employer and offer your employees an attractive Employee Benefits package. Here are eight key trends and insights you definitely don’t want to overlook.
30 January 2024 2024 Tax Ceilings A "calmer" starting of the year compared to 2023 in terms of the new ceilings. What is new is that the maximum deductible premiums in the 3rd pension pillar are indexed for the first time in 4 years.
13 November 2023 Are we heading towards a new minimum employer’s guarantee? Since the introduction of the Belgian Supplementary Pensions Act (Wet op de Aanvullende Pensioenen) in 2004, every pension provider has to factor in a statutory return guarantee, better known as the ‘employer’s guarantee’, which is unique in Europe.
27 January 2023 2023 Tax Ceilings What a debut for the tax figures in this new year, the new wage ceilings for calculating social security supplements for wage earners and the self-...
21 December 2022 Insurance and medical procedures The procedures for medical acceptance of insured risks such as death, guaranteed income and hospitalisation, have long been a headache. Even more...
13 October 2022 Teleworking: what happens in the case of a workplace accident? Key points to consider Searching for a new work culture is undeniably the norm in almost every work environment today. What is known as ‘hybrid working’ is evolving after...
17 May 2022 Change to the statutory pension estimate for self-employed A proverbial bomb dropped recently in the circle of experts who calculate supplementary pensions for the self-employed. On 31 March, the tax...
29 March 2022 Payment of a supplementary pension Much ink has been spilled about when a company pension may be paid and what tax rate it is subject to, but little has been written about how this...
23 January 2022 2022 Tax Ceilings A new year, new hopes, new wage ceilings and new fiscal maximums for calculating social security supplements for wage earners and the self-employed...
18 January 2021 2021 Tax Ceilings Following the annual tradition, we publish on our website the salary ceilings and fiscal maximums that are important for calculating the social...
22 December 2020 Insurers prolong their support measures Within Assuralia, the federation of insurance companies, it was decided last week to extend the measures already taken in the context of the COVID...
16 April 2020 Coronavirus and your personnel insurance policies It should come as no surprise that since the ‘semi-lockdown’ of Friday, 13 March – which goes to show just how symbolic a date can be – our country...
26 February 2020 'Shortfall in 2 out of 3 group insurance schemes’? (DS 10 Feb. 2020) Fake News! ‘Shortfall in 2 out of 3 group insurance schemes’? (DS 10 Feb. 2020) Fake News! The study of the Belgian Financial Services and Markets Authority (...
22 January 2020 2020 tax ceilings and other changes In addition to the new tax ceilings and ceilings that are important for statutory pensions, supplementary pensions and other replacement incomes,...
19 December 2019 Continued guaranteed income on leaving employement? By now, everyone is familiar with the individual continuation of group hospitalisation insurance facilitated by the Verwilghen Act (1 July 2007) ...
23 January 2019 Tax ceilings 2019 It took a while before all authorities confirmed the new figures. Here is an overview of the new tax limits and ceilings that are important for the...
19 November 2018 The VAPW, an empty shell? Another new pension vehicle is in the pipeline: this time, to accrue a supplementary pension in the second pillar through an employer. Following the...
