Frequently asked questions

Our insurance policies for companies are comparable to those for private individuals.

The basic package:

• pension,
• incapacity for work/disability/pregnancy, and
• deferred insurance policy for medical care.

The supplementary insurance policies:

• medical care, and
• workplace accidents, with an optional Accidents in private life.

You enter into a collective contract with the Overseas Social Security. In this, you decide whether you only offer the basic package or possibly also supplementary insurance policies. It is also possible to insure only one employee.

To a large extent, you choose the amount of the contribution yourself.

For the basic package, you pay a contribution of between and euro every month. The amount of the contribution determines the amount of your employee's pension. Use our simulation tool to find out which contribution provides which pension.

The contributions are broken down as follows:

• 70% goes to finance the retirement and survivor's pension, according to the principle of personal individual capitalisation.
• 20.5% goes to finance solidarity services such as indexation.
• 6.90% goes to finance the deferred insurance for medical care.
• 2.60% goes to finance sickness and disability insurance.

No. Just like the pension, the contributions are linked to the index. It is therefore dependent on the cost of living. The moment at which it changes is therefore unpredictable. In recent years it has been adapted about every year and a half.

Contributions to supplementary insurance contracts are never tax deductible.

However: have you kept your domicile in Belgium, do you pay your taxes there, and are you individually affiliated with the Overseas Social Security? Then you can deduct your contributions from your taxable income. Upon request, the Overseas Social Security will provide you with a certificate to that effect. The final decision on the deductibility of your contributions lies with your tax office. So it is best to contact your local tax office for a definitive answer.

The amount of your retirement pension depends on:

• the amount of your contributions,
• the number of years you have paid contributions,
• the age at which you begin to make your contributions, and
• the age at which you go on your pension.

Use our simulation tool to get an idea of which contributions provide which pensions.

At 65 years of age.

You can also retire early, from the age of 60, but then your pension will be reduced proportionally.

More about the retirement pension of the Overseas Social Security

The survivor's pension is based on the amount of the pension of your deceased spouse. It depends on various factors, including the age difference between the spouses.

More about the survivor's pension of the Overseas Social Security

No. The scheme for paternity or adoption leave has been introduced in the Belgian sickness scheme, but does not apply to the Overseas Social Security.

Maternity leave under the Overseas Social Security can be granted for a 15 weeks: 7 weeks prenatal and 8 weeks postnatal leave.

Under the Belgian sickness scheme, you are in principle obliged to take your prenatal rest from the 7th day before your expected date of delivery. This obligation does not apply for the Overseas Social Security.

The sickness and disability insurance entitles you to a benefit payment as soon as you are incapacitated for work. With the supplementary insurance contract Accidents in private life, you will also receive a daily allowance from the 31st day of incapacity for work.

The sickness and disability insurance reimburses the costs of medical care according to the NIHDI scales. With the supplementary insurance contract Accidents in private life, these costs are reimbursed in full, as will the transport and repatriation costs resulting from your accident. In addition, there is also an allowance in the event of long-term incapacity for work and, in the event of death, cover for the funeral costs and an annual stipend for the beneficiaries.

You are protected by the Overseas Social Security in the following countries:

1. Afghanistan
2. South Africa
3. Albania
4. Algeria
5. Andorra
6. Angola
7. Antigua and Barbuda
8. Saudi Arabia
9. Argentina
10. Armenia
11. Australia
12. Azerbaijan
13. Bahamas
14. Bahrain
15. Bangladesh
16. Barbados
17. Belize
18. Benin
19. Bhutan
20. Belarus
21. Burma
22. Bolivia
23. Bosnia and Herzegovina
24. Botswana
25. Brazil
26. Brunei
27. Burkina Faso
28. Burundi
29. Cambodia
30. Cameroon
31. Canada
32. Cape Verde
33. Central African Republic
34. Chile
35. China
36. Colombia
37. Comoros
38. Republic of the Congo
39. Democratic Republic of the Congo
40. Cook Islands
41. North Korea
42. South Korea
43. Costa Rica
44. Ivory Coast
45. Cuba
46. Djibouti
47. Dominican Republic
48. Dominica
49. Egypt
50. United Arab Emirates
51. Ecuador
52. Eritrea
53. United States
54. Ethiopia
55. Fiji
56. Gabon
57. Gambia
58. Georgia
59. Ghana
60. Granada
61. Guatemala
62. Guinea
63. Guinea-Bissau
64. Equatorial Guinea
65. Guyana
66. Haiti
67. Honduras
68. India
69. Indonesia
70. Iraq
71. Iran
72. Israel
73. Jamaica
74. Japan
75. Jordan
76. Kazakhstan
77. Kenya
78. Kyrgyzstan
79. Kiribati
80. Kuwait
81. Laos
82. Lesotho
83. Lebanon
84. Liberia
85. Libya
86. North Macedonia
87. Madagascar
88. Malaysia
89. Malawi
90. Maldives
91. Mali
92. Morocco
93. Marshall Islands
94. Mauritius
95. Mauritania
96. Mexico
97. Micronesia
98. Moldova
99. Monaco
100. Mongolia
101. Montenegro
102. Mozambique
103. Namibia
104. Nauru
105. Nepal
106. Nicaragua
107. Niger
108. Nigeria
109. Niue
110. New Zealand
111. Oman
112. Uganda
113. Uzbekistan
114. Pakistan
115. Palau
116. Palestine
117. Panama
118. Papua New Guinea
119. Paraguay
120. Peru
121. Philippines
122. Qatar
123. Russia
124. Rwanda
125. Saint Kitts and Nevis
126. San Marino
127. Saint Vincent and the Grenadines
128. Saint Lucia
129. Solomon Islands
130. Salvador
131. Samoa
132. São Tome and Principe
133. Senegal
134. Serbia
135. Seychelles
136. Sierra Leone
137. Singapore
138. Somalia
139. Sudan
140. South Sudan
141. Sri Lanka
142. Suriname
143. Eswatini
144. Syria
145. Tajikistan
146. Tanzania
147. Chad
148. Thailand
149. East Timor
150. Togo
151. Tonga
152. Trinidad and Tobago
153. Tunisia
154. Turkmenistan
155. Turkey
156. Tuvalu
157. Ukraine
158. Uruguay
159. Vanuatu
160. Vatican
161. Venezuela
162. Vietnam
163. Yemen
164. Zambia
165. Zimbabwe

1. Abkhazia
2. Northern Cyprus
3. Kosovo
4. South Ossetia
5. Western Sahara
6. Taiwan