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Taking your retirement

The retirement age in Belgium is generally 65 or 60 if you have spent 35 years in full-time work. You can take early retirement in some circumstances.
After a life of hard work, you should be able to look forward to a well-deserved retirement. The retirement age in Belgium is generally 65 or 60 if you have spent 35 years in full-time work. You can take early retirement in some circumstances. You receive your monthly pension instead of your salary. It’s important to note that the rules vary depending on the sector.

What pension can you expect?

Your pension is based on your annual contributions during your working life. This depends on your family situation and your final job. Your situation will be totally different depending on whether you work in the public sector or in the private sector, whether you work for yourself or for someone else, full or part time. You may be subject to a mixed regime if you have worked in different sectors or your status has changed during your working life.

  • These rules apply to Belgian pensions based on employment in Belgium.
  • If you have worked in a foreign country, visit (FR/NL/DE) to find out more about your social security rights.

National Pensions Office

Employees and the self-employed receive their pensions from the National Pensions Office (FR/NL/DE).

Public agents receive their pensions from the Service des Pensions du Secteur Public (FR/NL/DE) (SdPSP, public sector pensions sector).

Payments are made by bank transfer or signed-for money order (delivered with the mail). The money can also be sent to a foreign address or, in some circumstances, to a foreign bank account.

You can increase your future pension by opening a pension savings account or taking out retirement insurance at a bank or insurance company. Both of these options are tax deductible.

Problems and disputes

The Service de médiation Pension (FR/NL/DE) (pensions mediation service) can help you in the event of problems or disputes. Download the complaint form, fill it out and send it to the Service de médiation Pensions or hand it in yourself (by appointment).

Service de médiation Pensions
Boulevard Simon Bolivar 30 - box 5, 1000 Brussels
Phone: +32 (0)2 274 19 90
Fax: +32 (0)2 208 31 43
Online: (FR/NL/DE)

Early retirement

Some private sector workers can take early retirement in the following case:

  • If they have lost their job and are entitled to unemployment benefit
  • If early retirement is possible under the relevant collective bargaining agreement
  • If they have reached the required age (generally 58) and can prove they have completed the minimum number of working years (based on the provisions of the collective bargaining agreement, their gender, the type of work and any disablement)

For more information on early retirement (FR/NL/DE), contact the National Employment Agency (ONEM).

Full-time workers who have reached a certain age can go part-time and take part-time early retirement.

Life goes on

Life goes on after your retirement of course. Some people even get a new lease of life. For suggestions on how to spend your time, see the Brussels for senior citizens pages elsewhere on this website. See our Health & Safety pages for more practical information for senior citizens.

Who to contact

  • National Pensions Office
    Tour du Midi, 1060 Brussels
    Phone: +32 (0)2 529 30 01 (in French) +32 (0)2 529 30 02 (in Dutch) +32 (0)2 529 30 03 (in German)
    Online: (FR/NL/DE)
  • Service des Pensions du Secteur Public (SdPSP)
    Place Victor Horta 40 - box 30, 1060 Brussels
    Phone: +32 (0)2 558 60 00
    Online: (FR/NL/DE)
  • Institut national d'assurances sociales pour travailleurs indépendants (INASTI)
    Boulevard de Waterloo 77, 1000 Brussels
    Phone: +32 (0)2 546 44 24 or +32 (0)2 546 44 27
    Online: (FR/NL)
  • National Employment Agency (ONEM) - Brussels branch
    Place Marcel Broodthaers 4, 1060 Brussels
    Phone: +32 (0)2 542 16 11
    Online: (FR/NL/DE)