Stay updated on your supplementary pension with KBC Insurance
If you’d like to stay up to date on the supplementary pension that you build up through your work as an employee or as someone who is self-employed – also known as the second pillar – we have good news for you. We will keep you informed in several ways.
One of the channels is the government’s online pension portal, mypension.be, where you will find full details of your state retirement pension (first pillar) and the supplementary pension you build up through your work (second pillar). We provide mypension.be with all the relevant information about the supplementary pension you build up with KBC Insurance. More information about mypension.be and the upcoming changes is provided at the bottom of this page.
In addition to the information available at mypension.be, we use our own channels to inform you of the supplementary pension you build up with KBC Insurance through your work. Select one of the buttons below to learn more.
Frequently asked questions
The mypension.be website primarily contains information about your state retirement pension, such as your earliest possible retirement date, as well as an estimate of the amount of your state retirement pension. You can also apply for your pension there and, if you are already retired,manage your pension payments.
The website also contains information about your supplementary pension. As an employee, a self-employed individual or a public sector employee, you can view all supplementary pension schemes registered in your name in the ‘supplementary pension’ section of mypension.be. This information gives you a general idea of the amount of supplementary pension you’ve built up. You can also request a detailed statement and view the contract regulations or conditions of each scheme on this website.
Go to www.mypension.be and log in to access your online pension file. If you log in to mypension.be and enter your e-mail address under ‘Mijn gegevens’ (My details), you will receive an e-mail any time new data is available.
You will also be informed every year when new statements for your dormant schemes are available.
At mypension.be, you will find a transparent overview of your supplementary pension, listing all your pension schemes and pension institutions. More information will be added to mypension.be in the future. The government has enacted the necessary legislation and has issued instructions to that end.
The new ‘Transparency Act’ stipulates that all communication relating to your supplementary pension must be adapted to your needs as a member and must become as uniform as possible across the various products and insurance companies. Any news about the planned changes will be provided below.
New pension statements as from 2026:
In 2026, the current pension statement (‘pensioenfiche’), which is available at mypension.be for KBC Insurance, will be replaced by a new pension statement (‘pensioenoverzicht’) at mypension.be. It will contain the information of the current pension statement, along with other details. Moreover, as from 2026 all pension institutions will use this document and will include the same information in it (to the extent applicable to the product in question).
The main differences between the new and the old pension statement are the current account and the pension projections. You will still see all the other information as well, such as your vested reserves and accrued benefits.
Current account
As from 2026, your pension statement will also include a current account, which shows the change in your pension reserve compared to the pension reserve of the previous year.
Pension projections
Until now, only a single expected benefit was stated for an insurance policy. From 2026, however, three different figures will be provided if an economic impact is possible. In addition, the amounts will no longer be calculated using the end date of your policy but instead using your personal statutory retirement age. Lastly, we will not make calculations on the basis of contractual returns but rather on the basis of returns the FSMA will determine annually.
Your supplementary pension benefits may be paid on two occasions:
- When you reach your statutory or earliest possible retirement age
- When you die
Supplementary pension benefits may only be paid when you take statutory retirement or on the earliest date you can have your retirement pension paid out, known as the ‘retirement date’. Both dates can be found at mypension.be.
You don’t have to take any action for your statutory retirement to commence, as the authorities will inform us when you start to receive your state retirement pension. Once we receive this information, we will prepare your benefits to ensure that you receive your pension reserve in the first month of your retirement.
Important: be sure to submit an application on time for your pension through MyPension (at least three months in advance), since it takes a while before we receive notice from the authorities. We will then contact you about the practical details, gross amounts, and so on. Also make sure to register your account number at mypension.be.
More information about the final tax charge on your supplementary pension is available at www.kbc.be/businesses/final-tax.
Have any questions about your supplementary pension?
A lot of background information about your supplementary pension can be found at mypension.be and can also be obtained from KBC Insurance itself.
For any other questions about your supplementary pension with KBC Insurance, feel free to contact your employer’s HR department if you’re an employee, or your KBC insurance agent if you’re a business manager or self-employed.
You can also go to www.wikifin.be or www.fsma.be if you’d like to know more about supplementary pensions in general.
