• Newsletter 27 - December 2021

    Which group insurance investment strategy to follow?

    The National Bank is predicting an inflation rate for 2022 of about 5%. However, this high rate is expected to decrease again as energy prices normalise and global supply and demand curves become more aligned. Due to the rapid recovery of the economy after the first corona waves, the demand for...Read more ›
  • Newsletter 26 - November 2019

    The influence of career breaks on group insurance

    This summer, the government extended several existing forms of thematic leave by Royal Decree. For example, there are now new options for parental leave, medical assistance and palliative leave that mainly extend the flexible uptake of these leave entitlements. According to recent figures from the...Read more ›
  • Newsletter 25 - June 2019

    The New Way of Working, legislation on workplace accidents is also evolving.

    In recent decades, our way of working has evolved to being more independent of time and location . For example, we no longer need to be in the office all the time, and can structure our working hours differently using new IT tools. Teleworking and homeworking have become more widespread in many...Read more ›
  • Newsletter 24 - July 2018

    Amended rules on supplementary pension entitlements.

    The rules governing the acquisition, retention and withdrawal of supplementary pension reserves are currently regulated by the Belgian Supplementary Pensions Act [ Wet op de Aanvullende Pensioenen – WAP] of 2004. However, in April 2014, the European Parliament voted in favour of a Directive aimed...Read more ›
  • Newsletter 23 - April 2017

    Convert sectoral flat-rate premiums into an insurance premium?

    In the context of joint industrial negotiations, fixed premiums are regularly awarded by the sector which the employer can usually convert to an equivalent alternative benefit . In this agreement, the sector may be offering the opportunity to pay this amount as a premium to finance group insurance...Read more ›
  • Newsletter 22 - September 2016

    When can supplementary pension be withdrawn?

    In an attempt to put the brakes on rising pension costs due to an ageing population, the government is adopting various measures to curb early retirement (bridging pension). As from 2019, statutory pension will be possible only from the age of 63 if the person concerned has worked for a minimum of...Read more ›
  • Newsletter 21 - June 2015

    Am I insured against burnout?

    The term burnout has been a constant in the media for the past few weeks and months. It has been a topic of discussion in numerous seminars, articles and interviews. Googling the term produces no less than 112,000,000 hits. But what about the financial side of burnout? Are we, both as employer and...Read more ›
  • Newsletter 20 - October 2014

    The second pillar databank (DB2P) compiles all data on supplementary pensions in Belgium.

    Such a databank is obviously a powerful tool for the government to verify the correct application of fiscal and parafiscal taxes (including the 8.86% social security (NSSO) contribution and restriction of the 80% rule). Policymakers also gain a clearer picture via this tool of the cost price of the...Read more ›
  • Newsletter 19 - November 2013

    The cost of a pension plan: need for more transparency

    In the current competitive market environment and these financially challenging times, increasingly more private organisations and government institutions are finding it difficult to keep their heads above water. These difficult circumstances often make deep cuts and restructuring necessary in...Read more ›
  • Newsletter 18 - September 2012

    The New Programme Law

    The Programme Law was published in the Belgian official Journal just before the holidays. This law provides for various new provisions regarding additional pensions from the second pillar (occupational pensions). Although the precise implementation arrangements are not entirely known yet, we wish...Read more ›