Be group insurance automatically paid for early retirement?

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Worden groepsverzekeringen automatisch uitbetaald bij vervroegd pensioen?

themabeeld.

I’m going to take early retirement at 61 years of age. I have an insurance plan that matures at 60 years of age and another two that end at 65 years old. Will that all be paid for my early retirement …

I’m going to take early retirement at 61 years of age. I have an insurance plan that matures at 60 years of age and another two that end at 65 years old. Will that all be paid by my early retirement? And if so, at what tax rate?

J. D.

Since 2016 is the payment of a supplementary pension is automatically linked to the recording of the legal pension. It is not admitted to the capital longer. Your group will therefore be all three at the last to be paid when you retire. For your insurance ended at the age of 60, you must keep in mind that the return from the contract extension will be adjusted. In practice this is usually reduced to a level of 0 % or close to it.

If the capital is payable at your early retirement, you will pay 16.5% of end load (increased by a provision for taxes and riziv / inami and solidarity contribution).

On the basis of a transitional arrangement is in certain cases possible to the capital of a group insurance plan early on to take from the age of 60, regardless of the legal pension. If you qualify, your insurer, you might such a proposal. Fiscally speaking, that is not interesting. The capital is to detach from your effective retirement paid will pay you in 60 years, the increased rate of 20 % and at 61 years of 18 %. From the age of 62 is definitely the rate of 16.5% will apply. Good to know is that you will never be obliged to make a proposal for early payment to accept.