{"id":13267,"date":"2023-10-20T15:23:01","date_gmt":"2023-10-20T13:23:01","guid":{"rendered":"https:\/\/quercus-rc.be\/?page_id=13267"},"modified":"2023-12-01T14:50:33","modified_gmt":"2023-12-01T13:50:33","slug":"assurance-de-groupe","status":"publish","type":"page","link":"http:\/\/quercus-rc.be\/en\/assurance-de-groupe\/","title":{"rendered":"Group insurance"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"13267\" class=\"elementor elementor-13267\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4c1ac24 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4c1ac24\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-002895d\" data-id=\"002895d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6b3f39f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6b3f39f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dd86bbd\" data-id=\"dd86bbd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-69e4761 elementor-widget elementor-widget-sectiontitle\" data-id=\"69e4761\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sectiontitle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n\t\t\t\t\t<div class=\"style-three\">\r\n\r\n\t\t\t\t<div class=\"section-title t_center\">\r\n\t\t\t\t\t\r\n\t\t\t\t\t \r\n\t\t\t\t\t\t<h3>What is Group Insurance?<\/h3>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\r\n\t\t\t\t\t\r\n\r\n\r\n\t\t\t\t<\/div>\t\r\n\r\n\t\t\t<\/div>\r\n\r\n\t\t\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e6bfbb elementor-widget elementor-widget-text-editor\" data-id=\"6e6bfbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Among life insurance policies in Belgium, group insurance is a second pillar pension policy aimed at company employees. Group insurance is taken out by the employer on behalf of its employees in order to save for their supplementary pension. All employees are therefore eligible. It has three main purposes:<\/p><ul><li>Accumulate capital for employees' retirement.<\/li><li>Protecting the families and heirs of employees.<\/li><li>Save for the long term and enjoy tax benefits<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef5ae76 elementor-widget elementor-widget-heading\" data-id=\"ef5ae76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What does group insurance cover?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e2b163 elementor-widget elementor-widget-text-editor\" data-id=\"0e2b163\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The employer sets aside an amount each year for the employee. This amount may be a percentage of the salary or a lump sum. Year after year, these amounts or bonuses accumulate in a retirement fund that will later be paid to the affiliated employee.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27e0508 elementor-widget elementor-widget-heading\" data-id=\"27e0508\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Why choose group insurance?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9bdd60a elementor-widget elementor-widget-text-editor\" data-id=\"9bdd60a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Group insurance is not only beneficial for employees. It also offers a number of advantages for employers.<\/p><p><strong>Employee<\/strong><\/p><ul><li>Supplementary pension scheme. The statutory pension is not sufficient to maintain your current standard of living. It is therefore strongly recommended that you set up a supplementary pension scheme.<\/li><li>Supplementary cover. In addition to supplementary pension, there is often a number of important additional types of cover available.<ul><li>death cover paid to the legal heirs or to a chosen person (e.g. partner). This beneficiary may change during the term of the group insurance policy.<\/li><li>interest in the event of incapacity for work<\/li><li>orphan benefits if there are dependent children<\/li><\/ul><\/li><li>Tax advantage. Under the current tax regime, the extra-legal pension you receive through group insurance is taxed at a significantly lower rate than your normal salary.<\/li><li>\u00a0<\/li><\/ul><p><strong>Employer<\/strong><\/p><ul><li><strong>Remuneration benefit.<\/strong>\u00a0A comprehensive group insurance policy can be an asset in attracting talented new employees.<\/li><li><strong>Tax benefit<\/strong>\u00a0As an employer, you can deduct group insurance premiums as business expenses.<\/li><li><strong>Attractive reward.<\/strong>\u00a0An equivalent increase in the group insurance premium gives the employee a higher net gain than an increase in gross salary.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-731f118 elementor-widget elementor-widget-heading\" data-id=\"731f118\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How do I take out group insurance?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b62d975 elementor-widget elementor-widget-text-editor\" data-id=\"b62d975\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Your employer can only include group insurance as an extra-legal benefit in your remuneration. In some sectors, group insurance is compulsory, but in most cases, it is the employer who chooses to take out group insurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b494a8b elementor-widget elementor-widget-heading\" data-id=\"b494a8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What is the return on group insurance?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-471c29e elementor-widget elementor-widget-text-editor\" data-id=\"471c29e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In the case of group insurance, the Supplementary Pensions Legislation requires a minimum return set each year by the FSMA (Financial Services and Markets Authority).<\/p><p>If the insurance contract generates a lower return (underfunding situation), the employer must cover the shortfall in returns.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38ce934 elementor-widget elementor-widget-heading\" data-id=\"38ce934\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What happens if I change employers?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc652a9 elementor-widget elementor-widget-text-editor\" data-id=\"cc652a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Lorsque vous d\u00e9missionnez ou \u00eates licenci\u00e9, il y a deux possibilit\u00e9s :<\/p><ol><li>You can leave the capital accumulated with your current insurer. In this case, no further payments will be made to the insurance company, but you will continue to receive the return or capital gains on the capital already paid in.<\/li><li>If your new employer also offers group insurance, you can also transfer your accumulated reserve to the new group insurance plan (at no cost and without tax).<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f988a6 elementor-widget elementor-widget-heading\" data-id=\"8f988a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">When will I receive the money from my group insurance?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-265093f elementor-widget elementor-widget-text-editor\" data-id=\"265093f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Group insurance is automatically paid when you take (early) retirement. You cannot therefore withdraw the money before retirement.<\/p><p style=\"font-weight: 400;\">There are a few exceptions to this rule.<\/p><p style=\"font-weight: 400;\">The most important and common exception to this rule is as follows: when you have reached the legal retirement age but are not yet retiring and continue to work for several years, you can already receive your supplementary pension payments.<\/p><p style=\"font-weight: 400;\">Like all taxable life insurance policies, group insurance is taxed upon withdrawal. This means that when you receive your capital, it is subject to:<\/p><ul><li>A National Health Insurance Fund (INAMI) contribution of 3.5% of gross capital.<\/li><li>A solidarity contribution of up to 2%.<\/li><li>A withholding tax of 10% to 20% (the latter depending on the length of the professional career and the age of the insured person at the time of collection)<\/li><\/ul><p style=\"font-weight: 400;\">*<strong>Rates applicable to the calculation of the minimum guaranteed return referred to in section 24 of the PCA.<\/strong><\/p><p style=\"font-weight: 400;\">Pursuant to Article 24, \u00a7 3, of the Law of 28 April 2003 on supplementary pensions and their tax regime and certain supplementary social security benefits, the FSMA has calculated and published annually since 2016 the rate applicable to the calculation of the minimum guaranteed return.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e6aace elementor-widget elementor-widget-heading\" data-id=\"6e6aace\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The individual pension commitment (IPC)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65c9ddf elementor-widget elementor-widget-text-editor\" data-id=\"65c9ddf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">An<strong>\u00a0individual pension commitment (IPC)<\/strong>\u00a0is a commitment to\u00a0<strong>supplementary pension<\/strong>\u00a0to an existing group insurance policy. It is proposed, in a manner\u00a0<strong>occasional and non-systematic<\/strong>\u00a0by an employer to a specifically designated employee (regardless of the category of staff to which they belong).<\/p><p style=\"font-weight: 400;\">The employer may only offer an individual pension commitment if a collective pension commitment applies to all employees in their company.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f09c466 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"f09c466\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/quercus-rc.fun\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-info-circle\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">I want to contact Quercus to find out more.<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Qu&#8217;est-ce qu&#8217;une Assurance de Groupe ? Parmi les contrats d&#8217;assurance vie en Belgique,&nbsp;l\u2019assurance-groupe est un contrat du 2e pilier de la pension, qui s&#8217;adresse aux&nbsp;salari\u00e9s&nbsp;d&#8217;une entreprise. L&#8217;assurance groupe est&nbsp;souscrite par [&hellip;]<\/p>\n","protected":false},"author":103368776,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-default.php","meta":{"_crdt_document":"","advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"jetpack_post_was_ever_published":false,"footnotes":""},"class_list":["post-13267","page","type-page","status-publish","hentry"],"jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/PgPayC-3rZ","jetpack-related-posts":[],"_links":{"self":[{"href":"http:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/pages\/13267","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"http:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"http:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/users\/103368776"}],"replies":[{"embeddable":true,"href":"http:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/comments?post=13267"}],"version-history":[{"count":13,"href":"http:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/pages\/13267\/revisions"}],"predecessor-version":[{"id":14437,"href":"http:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/pages\/13267\/revisions\/14437"}],"wp:attachment":[{"href":"http:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/media?parent=13267"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}