Belgium introduces new pension rules in 2025

Starting 1 January 2025, significant changes to Belgium’s pension system will take effect. The reforms will impact retirement age, survivor benefits and minimum pension requirements. 

The most significant adjustment is the gradual increase in the legal retirement age, which rises from 65 to 66 years in 2025 and will further increase to 67 years by 2030. This shift applies to individuals born after 1 January 1960, while those born before this date retain the right to retire at 65.

Other noteworthy reforms include adjustments to the “pension bonus” system. Workers who continue employment beyond the legal retirement age can earn a financial bonus for up to three years. However, technical delays mean these bonuses may not be paid out until late 2025. Additionally, the minimum age for receiving a survivor’s pension in the event of a spouse’s death will rise to 50.

A stricter condition will apply to qualify for the guaranteed minimum pension. Starting in 2025, beneficiaries must demonstrate 20 years of actual work experience, alongside existing requirements.

More reforms and information (including ‘flexi-job’ regulations) can be found on the official pensions website. 

^{A construction worker in Brussels © BELGA PHOTO BERNAL REVERT}