Sociaal VAPZ

Social VSPSS

KBC Life Pension Plan – (Social) VSPSS

  • Get extra financial protection in the event of work disability, disability or during maternity leave
  • Build a bigger pension pot for later life
  • Get tax relief


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Why choose a KBC Life Pension Plan – (Social) VSPSS?

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.


With a VSPSS, you can fully deduct your contributions from your tax liability (as a business expense). The maximum amount that's deductible is 15% higher in the case of a social VSPSS than with a regular VSPSS. Specifically: with a social VSPSS, the maximum contribution percentage is 9.40% whereas it's 'only' 8.17% with a regular VSPSS. A social VSPSS therefore lets you pay less tax and social security contributions and, at the same time, you can save more.

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 incapacitated for work 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.

If you want to get the maximum tax benefit from your social VSPSS, you no longer need to ask your accountant or insurance intermediary to do this for you. Change your policy to ‘Maximum tax relief based on your income’. Starting this year, we’ll get your income details from the government every year, so you won’t ever miss out on any tax benefits again.

Up until the time of retirement, the contributions that are paid in generate a return and constitute the final pension capital. Are you buying a KBC Life Pension Plan – (Social) VSPSS today? Then the interest earned is 2.0% for all deposits and is guaranteed until the contract’s expiry date.

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


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

Information about sustainability

This product promotes environmental and social characteristics that allow contributing to a positive impact on the environment or society, but does not have a sustainable investment as an objective. Moreover, we strive to limit any negative impact on the environment or society based on a responsible investment policy. More information can be found in your info sheet.

This product was awarded the ‘Towards Sustainability’ label for a period of one year. The label, which was developed by Febelfin (the Belgian banking federation), is re-evaluated every year. It is a quality standard under the supervision of the Central Labelling Agency of the Belgian SRI Label (CLA). The standard defines several minimum requirements that sustainable financial products must meet at product level and in the investment process. See for more details. Products that are awarded this label may not meet your own sustainability objectives and the label itself may not necessarily meet the requirements of future national or European regulations. Learn more at


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.

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