The Verwilghen Act requires every employer to inform its participating employees about the options available upon the loss of the right to participate in the group medical insurance (hospitalisation and/or disability insurance).
Within the scope of this obligation to inform, Vanbreda Risk & Benefits would like to assist you by placing some documents at your disposal.
The law contains no concrete provisions specifying how you, as an employer, must provide these information documents to your employees. Vanbreda Risk & Benefits gives you a free choice.
If you want to avoid any discussion in the event of subsequent disputes by the employee, we recommend using the complete information document. Otherwise, you can only provide your employees with the first page.
Download our info sheet on the Verwilghen Act here.
To inform your employees in case of loss of the right to participate in the group medical insurance.
To inform your actual employees immediately and all new employees upon entrance.
Want to use your supplementary pension to finance real estate? You can do so through an advance, a pledge, or the reconstitution of a mortgage loan. In the detailed note below, we explain what this means for taxation at the time of payout.
Starting in 2026, a significant change will occur in communication regarding supplementary pensions: the familiar pension statement will disappear and be replaced by the pension overview. This change is an implementation of the Transparency Act, with a view to imposing uniform rules on all pension institutions about communication with members in order to ensure greater clarity. In the downloadable note below, we explain everything in detail.
There’s been a lot of talk about the European Pay Transparency Directive (EU 2023/970) recently. The directive was approved by the European Council in May 2023 and must be transposed into national law by every Member State by 7 June 2026. Belgium is working hard on this. The goal is clear: to reduce the pay gap between men and women in the same job and actively tackle pay discrimination.
How well do your employees understand their financial future? Research shows that many employees worry about their situation, and this affects both their well-being and their performance. We explain the importance of financial literacy and what companies can do about it.