2025 marks a turning point for pensions, but why? Florence Delogne, lawyer specializing in legal and supplementary pensions, answers our questions.
The following answers are current but remember that as the government is in full negotiations, we cannot exclude future adaptations concerning pension legislation. Other reforms could take place in 2025. To be continued…
In 2025: what is happening?
What changes for my pension in 2025?
“The legal pension age now increases to 66 years for pensions which take effect from February 1, 2025 and it will increase to 67 years in 2030. This may be frightening, but we must put this increase into perspective. This is an age from which one can receive their pension, regardless of the length of their professional career. However, it is possible to leave earlier. You can take early retirement from the age of 63 if you can prove a professional history of 42 years, from the age of 61 with a professional history of 43 years and from the age of 60 with a professional history of 44 years.”
And pension savings in all this?
What are the consequences for pension savings if you work longer or retire early?
“As a reminder, pension savings allow you to save individually for an amount which is added to your legal pension. Part of the amount paid for your pension savings can be recovered via your tax return in the form of a tax reduction. You can continue to finance your pension savings even after taking your pension. Article 145-9 of the income tax code, however, stipulates that you can only benefit from the tax reduction up to the age limit of 65.”
Pension supplements or bonuses
How to benefit from a pension bonus?
“You can build up a pension bonus as soon as you continue your activity beyond the legal pension age and up to a maximum of three years. The amount of the bonus is net, added to the legal pension and is generally paid in one go. With an additional year of work you can earn €3,927.51, after 2 years, €7,855.02 euros and after 3 years €11,782.53. Amounts which accumulate to reach €23,565.06. If you can prove a career of 43 years or more, the bonus increases (€11,782.53 for each additional year worked). This package is valid for everyone, regardless of income.”
How does the supplementary pension work?
“It is generally the employer who establishes a supplementary pension for his staff. Failing this, you can ask them to make a deduction from your salary to be paid to a pension organization of your choice, with a limit, the contribution not being able to exceed 3% of the reference salary with a minimum of €1,910.”
How does the free supplementary pension for the self-employed (PLCI) work?
“Reserved for the self-employed, it aims to supplement their legal pension to enable them to a certain extent to reach a level of pension equivalent to that of an employee’s pension. The contribution is capped at 8.17% of the self-employed’s indexed net professional income from 3 years ago and goes up to 9.4% with a social PLCI. It is possible to opt for a higher social PLCI premium to benefit from protection in the event of incapacity for work, unemployment and death.”
Good to know:
Visit the mypension.be website to see where you stand regarding your accumulation of pension rights (legal and supplementary).
Text: Émilie Pommereau.
You may also like:
Recipes, fashion, decoration, sex, astro: follow our news on Facebook and Instagram. Excluded: our latest articles by email.
Travel Source
Discover the world easily and comfortably with Merpati Airlines. From comprehensive travel guides and dream destination recommendations to practical tips, we provide everything you need to plan the perfect trip. Explore exotic locations, find the best deals on flights and hotels, or uncover travel packages tailored to your style. With interactive maps, traveler reviews, and authentic local insights, we’re your trusted travel companion. Start your adventure today!
