Social protection

If you are registered with a social security fund and are up to date with your payments, you are entitled to a number of social benefits:

The legal social security contributions guarantee your right to:

pension: because you have paid contributions to social security, you have a claim to a monthly pension. The retirement age for men and women is set at 65 years. Early retirement at 60 is possible under certain conditions. Your pension benefits depend on your career and your income which is used as a basis for calculating your social security contributions. When you request your pension, the social security fund provides proof of your career as a self-employed person. This is done on the basis of the social security contributions that you have paid.
child benefit: if you have children, they will receive a contribution from the social security fund. Your contributions entitle you to a birth premium or adoption premium, monthly child benefit, increased benefit for disabled children or orphans, and a bonus for children of disabled self-employed persons. Child benefit is paid out by the social security fund, as long as you are not benefiting from a more favourable payout due to the work of your partner or another status (e.g. that of a salaried employee);
health care and replacement income in the event of inability to work: if you are up to date with your contributions to the social security fund, you are entitled to:
- the legal reimbursement for your health care ;
- a replacement income in the event of being unfit for work;
- or a replacement income for maternity leave for the self-employed titleholder and for an assisting partner.
As a self-employed mother you are also eligible after the mandatory maternity leave for 105 free service cheques to be used for maternity help.
social security in the event of bankruptcy: Did your bankruptcy occur through no fault of your own, and have you paid all your social security contributions? And is this the first time you have gone bankrupt? If so, then you will receive up to 12 months’ replacement income to tide you over during this difficult period. With this insurance you can, under certain conditions, benefit from a monthly replacement income for a maximum of 12 months. As long as you have no dependents.
Persons eligible for this replacement income are:
- traders who have gone bankrupt (as a natural person);
- mandatories of companies who are declared bankrupt;
- non-traders who have received approval from the courts for a plan allowing for an amicable settlement via a collective debt repayment system.
This advantage is only granted once in the career of a self-employed person. The self-employed person reserves his rights in the matter of health care and child benefit for four quarters.

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