Should a retired teacher to earn some extra money as an independent?

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Mag een gepensioneerde leraar bijverdienen als zelfstandige?

As a teacher, in retirement I am still active as a graphic artist in a secondary occupation. How much can I earn without my pension to lose? Must I also pay social security contributions?

L. H.

Are you minimum …

As a teacher, in retirement I am still active as a graphic artist in a secondary occupation. How much can I earn without my pension to lose? Must I also pay social security contributions?

L. H.

You are a minimum of 65 years of age or has a career of 45 years behind the back, then you can unlimited to earn some extra money without impacting your pension. You do not meet one of these two conditions, then you must use your income limit. The limit for 2019 is for a stand-alone source of extra income on 6.538 euros. For those who at least still has a dependent child, the amount of the ceiling 9.807 euro. It looks to your nettobedrijfsinkomen. That is, your income after deduction of social charges and business expenses.

In the event of the ceiling is your pension with an equal percentage reduced. Is your income for example, 35 percent above the permitted limit than you need to the year later, 35 per cent of your pension refund. At a crossing with more than 100 percent should you take your pension one year later full refund.

As an independent you must join a social insurance fund for self-employed persons. To a net annual income of were 3,063,98 euro, you are exempt from social contributions. Above this limit, you pay 14,70 percent of your net earned income as social contributions. For an income of 5000 euros, this corresponds to a kwartaalbijdrage of 189,36 euro.