Social security for the self-employed

In Belgium, affiliation to a social insurance fund and to a health insurance fund is compulsory for all self-employed persons who are self-employed as a main occupation or who have a company. By paying social security contributions every quarter, you establish your right to social security.
In doing so, you benefit from protection and compensation that can be of great help depending on the situation you find yourself in.
 

Reimbursement of medical expenses

Regardless of whether a visit to the doctor or a more serious intervention is involved, the social security system for the self-employed reimburses the medical expenses of self-employed persons, as well as of their helper. Find out more

Benefits in the event of illness or accident

An illness or an accident can prevent self-employed persons from working. And no work means no income! Social security provides an allowance for work incapacity. At Securex, we go even further by offering you an additional replacement income. Find out more

Child benefits and childbirth allowance

Whether being an employee or self-employed, each Belgian parent is entitled to receive child benefits until their child reaches the age of 25 (under certain conditions). The amount of the benefit depends on the number of children, the age of the child and his or her actual situation. Find out more

Maternity assistance and maternity benefit

Since 2017, young self-employed mothers are entitled to several benefits via their social insurance fund, such as: 105 free service vouchers, a childbirth or adoption allowance and exemption from social security contributions for the quarter following childbirth. Find out more

Retirement pension

By paying their social security contributions throughout their career, self-employed persons are entitled to a statutory pension. However, this remains low and insufficient to maintain your standard of living. Securex offers you several supplementary pensions to help you enjoy your well-deserved rest. Find out more

Survivor's pension and transitional allowance

A surviving spouse of a deceased self-employed person is entitled to a survivor's pension with the condition of having reached a minimum age (48 in 2021), or to a transitional allowance, if they have not. The amount received depends on the age of the survivor, the career and income of the deceased and the length of the marriage. Find out more

Bridging allowance

The bridging allowance is a monthly allowance paid for a maximum of 12 months. It applies in the event of bankruptcy, but also in the event of forced cessation of activities. The self-employed person then retains some of his or her social rights without having to pay social security contributions. Find out more

Payment for informal care

Self-employed persons who have to stop working totally or partially because of serious illness, a disabled child or to receive palliative care can apply for this monthly allowance, which is still not widely known. Find out more