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Social benefits from the National Institute for Health and Disability Insurance (RIZIV)
As a conventional healthcare provider (physician, dentist, pharmacist, physiotherapist, speech therapist or independent nurse), you are entitled to an annual social benefit from the RIZIV. You can use this allowance for the accrual of a supplementary pension and/or a guaranteed income insurance policy in the event of death or incapacity for work.
Why take out a PSPSE-RIZIV policy?
You know that you shouldn’t count on a high statutory pension when you retire. This means that you may not be able to maintain your current standard of living. As long as you work under contract, the contributions will be paid by the RIZIV. This allows you to accrue significant additional pension capital. If you wish, you can also provide additional guarantees such as a capital sum in the event of death or a replacement income.
How do you accrue a pension with the PSPSE-RIZIV policy?
The PSPSE-RIZIV policy is a branch-21 insurance. This insurance makes you save at your own pace and with a guaranteed capital and a guaranteed return. In addition, the guaranteed income can be supplemented with an annual profit-sharing scheme, and, in certain cases, you can enjoy an exemption from withholding tax.
The interest rate may change during the term of the contract. This means that an interest rate that is different from todays may apply for future deposits.
What are the benefits of a PSPSE-RIZIV policy?
In addition to accruing a pension, taking out a PSPSE-RIZIV policy offers many more benefits:
- You save for free.
- You receive guaranteed interest.
- You will benefit from an additional pension capital sum at the end of your life.
- You can use part of the contribution for incapacity for work and/or a capital sum in the event of death.
- You protect your next of kin.
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