However, it is always possible to take an early pension depending on your age and the length of your career. Or at 60 with 44 years of career, at 61 or 62 years and 43 years of career and from 63 to 65 with 42 years of career.
Pension reform: what changes for you?
“The longer you work, the higher your pension will be,” points out Florent Mages, communications officer at the Federal Pensions Service (SFPD). So, if you stop working earlier, your pension will be lower. So, if you go on a pension early, your pension will be lower than the one you will receive if you continue to work and take your pension at the legal age. However, this has an impact on the constitution of the pension bonus Each additional day of work after the date of. nearest pension increases the bonus amount.”
The more you work, the more your pension increases
We know that the mantra of recent governments is to work as long as possible, even beyond retirement. And for this, there are incentives.
“The concept of “full pension” is still very present in people's minds, but in reality, it is no longer relevant, explains Florent Mages. If you start working at 30 and work continuously until 66 , you will have accumulated 36 years of career for your pension You can of course continue to work to increase the amount of your pension But it is no longer true that the pension stops accumulating after 45 years of career. you actually work, you continue to accumulate rights for your pension.”
Note that the rule is different for assimilated periods such as unemployment, illness, etc.
Pension bonus: what is the point of staying at work in Belgium after retirement age?
“To take the example of a person who starts working at age 30, even if they continue to work after their 75th birthday – i.e. 45 years of career – they will continue to accumulate rights for their pension. But, from of legal pension age, she can of course also choose to take her pension while continuing to work and accumulate professional income without limit, which can also be an interesting choice.”
When do you receive the supplementary pension?
If you are entitled to a supplementary pension, you will be able to receive it at the time of your legal pension.
A tool for your supplementary pension
“Exceptionally, this can also be done earlier and without receiving your legal pension. Be careful, however, if the supplementary pension is taken before the legal pension age, it will be taxed more heavily.”
To find out more about the changes likely to happen to the rules relating to pensions, the site www.reformedespensions.be is updated regularly.
And to find out your personal situation, go to mypension.be.
