Belgian Pension Reforms 2027: Potential Cuts for Those with Employment Gaps

A proposed pension reform in Belgium, slated for discussion at the end of February 2026, could lead to reduced pension benefits for individuals with significant periods of unemployment or participation in “runways” (transition programs) during their careers. The changes, spearheaded by Minister of Pensions Jan Jambon (N-VA), are projected to impact approximately three out of ten future pensioners, potentially resulting in monthly pension reductions exceeding €300.

What’s Changing with ‘Equal Periods’?

The reform centers around “equal periods” – phases of non-employment currently factored into pension calculations, including unemployment, illness, care leave, runways, and certain forms of part-time work. Currently, roughly one-third of accrued pension rights are based on these periods. The government aims to reduce the weighting of some of these periods, particularly those involving long-term unemployment, bridge pensions, runways, and part-time work with benefit retention.

The 20% Rule and its Impact

The adjustments will be phased in, with varying thresholds based on age. For those currently over 62, the maximum allowance for equal periods remains at 40% of their career. However, for individuals 59 and younger, this ceiling will be lowered to 20%. Exceeding this limit will result in reduced pension accrual. This could affect individuals who have utilized runways after a period of unemployment, or those who have worked part-time with supplementary benefits for an extended duration.

Concerns from the Gezinsbond

The Gezinsbond (Belgian Family Association) has voiced strong criticism of the proposed changes, expressing concern that they will disproportionately affect families. They argue that pension rights are earned through work, and maintaining this link is crucial for the sustainability of the pension system. The Gezinsbond specifically highlights the potential impact on individuals with caregiving responsibilities.

What are “Runways”?

“Runways,” or landingsbanen in Dutch, are transition programs designed to help workers prepare for retirement or a career change. They often involve part-time work with government support. The proposed changes could reduce the pension benefits accrued during these runway periods.

Looking Ahead

The proposal is currently under review by the Ministerraad (Council of Ministers) as of late February 2026. Further details and the final implementation plan will be released following this review. The changes are expected to take effect in 2027.