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Supplementary pensions
Affiliates
This section is intended for affiliates whose employer has entered into a supplementary pension scheme for one or more of its staff, or whose company operates in a professional sector that has established a sector-specific supplementary pension scheme.
Monument Assurance Belgium manages supplementary pension schemes for companies across various sectors or sub-sectors, as well as schemes taken out by self-employed individuals.
Monument Assurance Belgium no longer commercialises new products.
Company supplementary pension
Your employer has taken out a supplementary pension scheme for one or more of its staff members.
To build up the entitlements to the promised supplementary pension, your employer has appointed Monument Assurance Belgium as the pension institution.
General information
For specific information about your contract, you can contact us (check with administration for the correct address) and visit the mypension.be website
Mypension.be is the official online portal managed by the Belgian government, which enables citizens to view and track all their pension entitlements, combining the statutory pension (first pillar) and the supplementary pension (second pillar).
You can therefore access information on your personal pension situation, including your pension entitlement statements and your pension scheme rules.
Information regarding your policy
For any specific enquiries regarding your policy, please contact us:
- By email life.be@monumentinsurance.com ;
- by post to Monument Assurance Belgium SA, PO Box 80200, 1070 Anderlecht.
Sectoral supplementary pension
The sectoral supplementary pension scheme is established by collective labour agreements (CLAs).
In principle, all employers operating in the professional sector covered by the CCT are obliged to join the sectoral scheme. Consequently, all workers in this sector are members of the sectoral scheme.
Monument Assurance Belgium has been designated by various sectors (or sub-sectors) as the pension organisation responsible for managing these sectoral supplementary pensions.
These agreements are published and available for consultation on the website of the Federal Public Service for Employment, Labour and Social Dialogue.
Joint Committee 209 (CP209)
Joint Committee 209 deals with the sector-specific supplementary pension scheme for employees in the metalworking industry.
The establishment of the scheme
This scheme was established by the collective labour agreement of 21 March 2002 and came into effect on 1 April 2002. On 1 July 2007, the scheme was extended to include managerial staff in these companies.
On 1st January 2017, a solidarity commitment was added to the existing sectoral pension commitment.
Monument Assurance Belgium was appointed as the pensioninstitution.
The organiser of the CP209 sectoral pension scheme is the FSEM-BIS (Social Fund for Metal Employees – BIS).
Benefits and administration
From 1 January 2019, the FSEM-BIS has authorised the Metalworkers’ Social Fund (FSEM) to collect sectoral contributions (pension and/or solidarity) from companies, as well as to collect – from the companies concerned – the 8.86 % ONSS contribution.
For full practical details regarding the collection of contributions, please contact the FSEM directly at the following email address: 209@fonds209.be
Monument Assurance Belgium remains authorised to manage the administration and finances of the sectoral contributions paid by the FSEM on behalf of companies within the sector and companies contributing to the solidarity component of the sectoral pension scheme.
For any other enquiries, you can contact the management team at Monument Assurance Belgium via: sectorplans.be@monumentinsurance.com
Collective labour agreements
Companies
This section is intended for companies that have taken out a supplementary pension scheme for their staff members, whether they are employees or self-employed, and for companies whose sector has established a sector-specific supplementary pension scheme.
Monument Assurance Belgium manages supplementary pension schemes for companies across various sectors or sub-sectors, as well as schemes taken out by self-employed individuals.
Monument Assurance Belgium does not commercialise new products.
Supplementary company pension
As an employer, you have entered into a supplementary pension scheme for your staff member(s).
To build up the entitlements to the promised supplementary pension, you have appointed Monument Assurance Belgium as the pension institution.
The main second-pillar products – supplementary pensions – forming part of Monument Assurance Belgium’s portfolio.
Group insurance
A supplementary pension scheme taken out for several employees via an insurance product with a guaranteed return, also known as Branch 21:
- Defined-benefit group insurance (the employer promises the employee the payment of a specific pension upon retirement).
- Defined-contribution group insurance (the employer does not promise a specific final outcome, but only the payment of contributions specified in the pension scheme rules).
- Cash-balance group insurance (the employer promises a supplementary pension consisting of a fixed contribution plus a return specified in the pension scheme rules).
Individual pension commitment
The employer promises a supplementary pension to a specific employee.
Sectoral supplementary pension
The sectoral supplementary pension scheme is established by collective labour agreements (CLAs).
In principle, all employers operating in the professional sector covered by the CCT are obliged to join the sectoral scheme. Consequently, all workers in this sector are members of the sectoral scheme.
Monument Assurance Belgium has been designated by various sectors (or sub-sectors) as the pension organisation responsible for managing these sectoral supplementary pensions.
These agreements are published and available for consultation on the website of the Federal Public Service for Employment, Labour and Social Dialogue.
Information and contact details
For general information on supplementary pensions, please refer to the FSMA guidance for employers.
For specific information regarding your policy, please contact Monument Assurance Belgium.