Protection in the event of incapacity for work, disability, and maternity leave
KBC Brussels provides additional financial protection in the event that you are unable to work due to illness or an accident, and during maternity leave.
Less tax and social security contributions
The premiums are fully tax-deductible as professional expenses, offering you a tax advantage in the highest income bracket.
A social VSPSS offers you security, as you receive guaranteed interest income on all premiums paid.
Why choose a KBC Life Pension Plan – Social VSPSS?
Building a supplementary pension by way of a social VSPSS (social voluntary supplementary pension scheme for the self-employed) gives you maximum protection and tax benefits. The VSPSS is called 'social' because 10% of the contributions you pay in automatically go to a solidarity fund. This gives you and your loved ones extra financial protection in case you become (physically) disabled for work or you are on maternity leave.
Warning! Any independent and regulated salaried care provider can take out a KBC Life Pension Plan – Social VSPSS.
Get tax benefits
Build a pension with more protection
The social component is funded by deducting 10% from the contributions paid by you. With a KBC Life Pension Plan – Social VSPSS, you get at least four additional types of cover (solidarity cover):
- Funding of your supplementary pension should you become disabled for work due to an illness or accident
- Funding of your supplementary pension should you become physically disabled for work due to an illness or accident
- Funding of your supplementary pensioen and extra compensation in case of maternity leave
- Compensation for loss of income in the form of an annuity should you become physically disabled following an illness or accident
You can find more information in the solidarity cover product fact sheet.
Although the extra cover provided by the social VSPSS is nice, it is still relatively limited. Solid guaranteed income insurance remains an absolute must for anyone who is self-employed.
Secure pension saving plan: guaranteed earnings
Up until the time of retirement, the contributions that are paid in generate a return and constitute the final pension capital. Under a KBC Life Pension Plan – VSPSS, the interest earned is currently 0.50% for all deposits and this is guaranteed until the contract is paid out.
If the economic situation and KBC Insurance’s earnings allow, this income from the KBC Life Pension Plan – VSPSS can be supplemented annually with a variable, non-guaranteed profit share
With a KBC Life Pension Plan – VSPSS, you only pay entry charges: there are no management fees. You also pay no exit charges when you take your state pension. You can find the entry charges on the entry charges for a VSPSS.
|Legal form||Guaranteed-rate life insurance|
|Payment||Upon legal retirement or upon death prior to retirement|
|Tax-deductible contributions||Annual tax deductible figure of up to 9.40% of the indexed net taxable earned income from three years previously|
If you are interested in a social VSPSS or would like to know how to combine it with an individual pension scheme, a pension scheme for the self-employed or any other supplementary pension savings scheme, please enter your contact details and we will contact you as soon as possible for a no-obligation consultation.
IPS (Individual Pension Scheme)
- Ideal for self-employed company owners
- Tax efficient
- Financial protection for your loved ones
Pension plans for independent medical professionals
- Financed by National Institute for Health and Disability Insurance allowance
- Guaranteed return
- Protected by four types of solidarity cover