JC 200 Additional retirement for white-collar workers in construction: solidarity component starting from 2026

Take action if you wish to remain 'outside the scope'.

As of January 1, 2023, a sectoral complementary pension has been established for white-collar workers (JC 200) in construction. In 2026, it will include a solidarity component. To remain 'outside the scope' with your own pension plan, submit additional documentation by September 15, 2025.

This AI-generated translation may contain errors and should not be considerd legal advice. For accurate info, refer to the Dutch or French version or consult your Securex Legal Advisor.

From Pension Plan to Broader Social Plan

Since 2024, the JC 200 has been collecting contributions through the NSSO for the sectoral complementary pension of white-collar workers engaged in the construction industry. The rights have been accrued since 1 January 2023. The pension contribution is set at 1.10% of the employee's reference salary.

Beginning on 1 January 2026, a solidarity component will be incorporated into the sectoral complementary pension plan (SAP). Consequently, the employer's contribution will rise to 1.80% of the employee's reference salary.

With the introduction of the solidarity component, the SAP will now function as a social plan. This component provides additional benefits, such as the accrual of pension rights during equivalent periods (including disability and maternity leave), and interest payments in the event of income loss due to the death of an active affiliated individual.

Own Pension Plan? Reassess Equivalence

In 2023, you could have your ‘out of scope’ status declared if you wished to retain your company-specific pension plan. You were required to demonstrate that your pension plan was at least equivalent to that of the sector, supported by a certificate from an actuary. With the introduction of the solidarity component, the employer's contribution will increase, necessitating a guarantee that your company-specific plan continues to meet the equivalence test.

If you are already ‘out of scope’ and wish to maintain this status, you must submit a declaration and an actuarial certificate again by 15 September 2025.

If you fail to do this in time, or if your company-specific plan does not meet the equivalence requirements, you will be required to pay contributions for the sectoral pension plan starting from 1 January 2026. Please remember to terminate your own pension plan.

This is How You Remain ‘Out of Scope’

If you wish to remain out of scope, please send the necessary documents to the Fund for Social Security for Complementary Pensions in the Construction Industry, fbzp-fsep Constructiv, Rue du Roi 132 box 3, 1000 Brussels.

You can find the model documents on the Pensio B website.

If you have a pension plan with Securex, please contact leven@securex.be to complete your actuarial certificate.