BBZ - Will you get a Belgian pension?

You build up rights to an old age pension (rustpensioen) in Belgium if you:

• are in paid employment in Belgium, or
• receive a Belgian unemployment benefit or incapacity benefit.

If you build up rights to a Belgian old age pension, you will also be insured for a survivor pension (overlevingspensioen). This means that your partner will get a survivor pension if you pass away.

Calculation and payment of the pension

For every year that you work or receive a benefit in Belgium, you build up pension rights.

The pensionable age is 65. You can take early retirement when you reach the age of 60 if you have accrued pension rights for 35 years or more. If you have built up pension rights in a country other than Belgium, those years of insurance will count towards your pension. If your Belgian pension (rustpensioen) starts on or after 1 January 2013, a higher minimum age and other career conditions will apply. For more information, consult the RVP news report Changes to employee pensions.

If you live in the Netherlands, you can claim your Belgian old age pension via the SVB office serving your area. We will then make the necessary arrangements for your Belgian pension. We would advise you to submit a claim around 1 year before you retire.

Dutch old age pension and Belgian old age pension

If you also worked in the Netherlands between your 15th and 65th birthdays, you will get a Dutch pension in addition to your Belgian pension.

If you live in Belgium and work in the Netherlands, you can get a Belgian frontier workers pension, even if you have never worked in Belgium.

Kan u ook AOW-pensioen uit Nederland krijgen?

Woont of werkt u tussen uw 15de en 65e een periode in Nederland? Dan bouwt u in Nederland in die periode mogelijk AOW-pensioen op. Dan krijgt u later naast uw rustpensioen ook een AOW-pensioen uit Nederland.

Woont u in België en werkt u in Nederland als werknemer-grensarbeider? Dan bouwt u in België een aanvullend pensioenbedrag op (grensarbeiderspensioen).