Since 1 January 2004, the “social” free supplementary pension has been the new variant of the free supplementary pension.

Self-employed persons who pay contributions for an independent principal activity and assisting spouses (maxi-status) can conclude an insurance contract for a free supplementary pension.

Features

• Agreement under the explicit title of “social pension agreement”
• Can be concluded for free with one of the many private pension institutions
• Offers more guarantees than the former formula of the “standard” free supplementary pension

Social pension agreement
The expression “social” in the title refers to the idea of solidarity that has been built into the pension insurance.
It is incumbent on your insurer to ensure that a separate solidarity fund be established with part of the received premiums:

• The solidarity fund can assist when you may no longer be able to pay your contributions for the supplementary pension.
  For example: You have become inactive because of illness or bankruptcy.
• You may possibly qualify for an income substitution compensation in case of permanent occupational disability, death prior to the retirement age, or grave illness.
• Current pension interests or survival pensions may be increased.

For this extra protection, you will be required to surrender at least 10% of your contribution to the solidarity fund.
A solidarity ruling with your policy explains how this solidarity scheme will be managed.

Primium
Benefits
With whom to sign an agreement
Payment of social free supplementary pension