Dear readers,

If, as a Belgian, you deregister and register at the Belgian embassy in Thailand, I assume that your pension benefit will remain unchanged. Is that right?

And if you get married in Thailand will your pension be adjusted?

Regards,

Bob

22 responses to “Reader question: Registering at the Belgian embassy and pension benefits”

  1. Lung addie says up

    Dear Bob,
    the first one is correct. Wherever you go to live, your pension will remain unchanged. Registration at the Belgian embassy is NOT an obligation after deregistration in Belgium, but it is better, even best, to do so. If you do not do this, you cannot make use of certain services offered by the embassy. eg apply for a new ID card or passport…..)
    Regarding adjustment of your pension: Yes, this will be adjusted, but only if your marriage is officially recognized by the Belgian government. If your wife has no income of her own, you will be entitled to a 'family pension'. As a retired civil servant NOT because the family pension does not exist in the civil service. You will have a tax advantage because of the fact that, if your wife has no income, you can take her as a 'dependant'.
    You must, however, inform the pension service YOURSELF of your changed situation.

    • joke shake says up

      and in order to be able to draw family pension, they require from Belgium that you are both registered at the same address and have a joint bank account.

      • Alfons says up

        that you must be registered at the same address is correct, a joint bank account must not
        own experience not hearsay

    • Jasper says up

      That is a lot better organized than in the Netherlands. With cohabitation or marriage you are simply cut hard, under the motto that your partner can earn the other half in Thailand. Hurry up with 300 baht a day….
      In the Netherlands we do know the additional income provisions for the elderly, but for that you must first be broke, and you must live in the Netherlands with your partner with a maximum of 4 weeks of vacation per year….

      • Rudolf says up

        In the Netherlands, your pension will not be reduced, never ever. Your AOW benefit

        • Rob V says up

          No, your state pension will not be cut. you will lose your single allowance. The idea is that single people have a harder time with fixed costs than cohabitants (whether you live with 1 or 10 people under one roof, your rent or mortgage will not decrease). And yes, the Netherlands assumes that both the man and the woman are no longer from the time of Ben Hur and therefore both worked (partly) and therefore built up a pension.

          In the past, it was still assumed that the woman had not worked, for that generation there was no supplement for single people, but a supplement for married persons (because the man had an extra burden at home: his wife).

          • Chris from the village says up

            Yes, nice is that, when your wife gets a pension of 600 baht
            and your state pension will be reduced by 300 euros!
            Who thinks up such a thing?

            • Cornelis says up

              You can hardly blame the Netherlands for not taking into account the low pension level in Thailand……….

  2. Matta says up

    @ Kung Lung Addie

    Your wife may be a nuisance, I don't know, but for the tax authorities a wife is never a dependent!

    website FPS Finance : https://financien.belgium.be/nl/particulieren/gezin/personen_ten_laste

    • johny says up

      Matta, the wife is indeed not a dependent.
      As a married Belgian you pay a lot less tax than as a single person, and then also the family pension. I think that's what Lung Addie means. I do have the impression that a retired Dutchman who marries a Thai does not have that advantage, so he will get less money by marrying.

      • Matta says up

        point 1. I do not know Dutch legislation, so I cannot and do not want to compare it with Belgian legislation.

        point 2. You see and read reactions from pensioners who come from different systems, civil servant, employee, self-employed person. (Not all) but there are still important differences. Keep in mind!!

        Point 3. To answer the question that was first asked, namely "if a Belgian has you deregistered and you register at the Belgian embassy in Thailand, I assume that your pension benefit will remain unchanged."

        Your pension benefit CHANGES if something changes in your family situation and I will give a few examples: death - marriage - children no longer dependent, etc..

        Your pension benefit will NOT change if you deregister from the population registers in Belgium. It is, however, strongly recommended that you register at the embassy after deregistration:
        to give a few examples – application documents (passport etc)
        also and that is nowhere or never mentioned is that you are considered NOT a resident of the Netherlands for the tax authorities.
        some will answer the latter (does not play a major role for me because I have a simplified declaration that is correct, but there are also those who have dependent children and that is another story, for example.

        You see every situation is different, it is difficult to draw the same line for everyone. Let alone that you still do that for different nationalities (in this case Dutch-Bel)

        • Lung addie says up

          Dear Matta,
          this is all correct….. there are indeed differences between the different pension systems such as: private employee-civil servant-self-employed.

          'that you will then be regarded as NOT a resident of the Netherlands for the tax authorities'
          is also correct, but you have to register yourself with the tax authorities in this way (can be done via the internet). You then file a tax return in September. Despite the fact that you are registered to do it via the internet, you will still receive a paper version at your new known home address. Despite the fact that some claim that, once you unsubscribe, everything is passed on automatically, there are many things that you should do yourself. The document that you 'should' receive when registering at the Belgian embassy and which must be sent to Belgium, as I know nothing about it at all and would therefore be something NEW but rather non-existent. If it does exist, I would like to see a copy of it.
          The steps to be taken in case of deregistration are described in the file: 'deregistration for Belgians' and can be found via the search box at the top left.

        • LUCAS says up

          As a deregistered Belgian you do not have a simplified one
          Calculation more.. Tax on web or paper copy sent.

  3. Rob V says up

    Sad, but in the picture it looks more like open pavilions (salaa, ศาลา) than houses?

  4. henkjan says up

    Married in Thailand to a Thai person and entered the life certificate with name and marriage date, have the life certificate signed and stamped by the police (I do this every year) and send it to Zuidertoren Brussels with a request for pension recalculation in connection with being married, after investigation you will receive a married pension. .

    gr and success

  5. Lung addie says up

    that is completely correct Alfons. You MUST be registered at the same address, otherwise you will be considered 'De facto separated'. A joint account … is NOT correct.

  6. Frank says up

    Regarding the Belgian pension, I live in Thailand, I am 65 years old and will receive my first pension as a single person from February 2020. I am considering marrying my 50 year old Thai (unemployed) girlfriend in Thailand. Can I apply for a family pension the day after the wedding? if correct, how do I apply for it and what documents are required? Please comment.

  7. Marcel says up

    I got married to my Thai girlfriend on January 8 and a few days later I looked at My pension and it already said that I was married to her. So I suppose my pension will be adjusted, wait and see. I did send another e-mail asking if I still had to do something, it now says, pending. She has a 9-year-old child who lives with us, I now wonder if I also have a dependent child for taxes .

    • Frank says up

      Thanks Marcel for this info. I assume you live in Thailand, where about ? I live in Phuket. How did “mypension” know that you are married? have you informed the Belgian embassy in BKK that you are married, as the embassy apparently has access to make changes to your mypension profile. May I ask how old your wife is? does she work (officially) ? What documents did you have to submit? I would like to hear whether your pension has been adjusted, upwards I hope. In the meantime I have also asked the question on my pension. I'll keep you informed. Hereby my email: [email protected]

  8. Gerard Van Heyste says up

    The Belgian pension system is the best in Europe! Your pension is automatically adjusted upon marriage, I was surprised when I received a new pension amount after two weeks: Approx. 30 percent more!
    Not so bad in Belgium!

    • Yan says up

      The family pension can be 25% Gross more, never 30%… And that 25% Gross is not Net.

    • Matta says up

      I sometimes frown at what some write down, I have adapted to Thai culture so I don't worry about it.

      To answer a few questions or comments:

      – due to an increase in pension as a result of marriage: Your marriage (new civil status) MUST be registered in the Belgian national register. Normally if you are registered in the Belgian embassy they immediately adjust your details identically as the administrative services would do in Belgium
      You can connect your card reader with your e-ID and go to mybelgium.be to access and consult your data listed in the national register.

      – Now DO NOT misunderstand me!!! I'm definitely NOT going to say they're going to do it BUT they can. Don't immediately start panicking or walking or writing from Piet to Pol
      Do not forget that the tax authorities may ask you mr x you are married to mrs PONG (fictitious name) you complete a joint declaration proving me (by means of an official document) that ms. Does not work.

      – with regard to the fiscal part :

      1. Before you permanently move abroad. Visit your tax office in person (address on the recto side of your tax return) why :

      a. before reporting that you are permanently moving (non-residents of Brussels), I think they will provide you with guidelines on how, what and where.

      b. what is even more important is to make the declaration specially. FYI that is very unique!! maybe that's why special declaration.

      maybe explain with an example:
      Suppose you move house on May 20 in year x
      for Belgium these are two separate eras, namely the first period from 1 January year x to 20 May
      and the second period from May 20 in year x to December 31

      so you file a return especially for the first period (1 January 20 May) under the normal system
      and for the second period (you will receive a declaration for this from the service for non-residents for the period from 20 May to 31 December) for the first period you will be subject to the ordinary personal income tax regime and for the second period different rules will apply because the so-called 'grounds of taxability in personal income tax' will disappear in the course of the year.

      – with regard to the paper declaration:

      a. if you use tax on web, you will see a line somewhere on the last or penultimate page that states if you would like a paper version (you must check the box)
      b. I recommend even if you use tax on web to still receive the paper version (if you don't need the copies so much better use the paper for something else)

      but suppose your e-ID or that of your spouse is lost or lost or you don't have it yet (maybe it was sent to family at that moment for activation or what, I don't know yet that can happen) then you at least have a backup up.

      c. What also surprises me is the following:

      Let's assume that a few hundred thousand Belgians live abroad. There are people who are married in our case to a Thai, but there are also those whose Thai wife is not Belgian, in other words, she has retained her nationality but does not have a Belgian e-ID. Now, as a married person, you fill in your declaration together, but you cannot use tax-on web. There used to be the so-called Token and probably another alternative, now only an activated e-ID. No one has commented on that either. written.

      – some still claim the earth is flat but bon
      if you deregister you will receive a mod 8 now with this paper bearing the name model 8 you can register in a Belgian embassy.
      You don't have to go to Bangkok to scan this and forward it and the matter is resolved.
      e-mail or contact details are listed on their website

      (by the way, I'm surprised that nothing is mentioned about the mobile kit anymore and that no one has ever asked a question about it) so I assume that this has also died a quiet death.

      – as a final point (you should check once) You will receive a message from the pension service to complete, sign and transfer your annual life certificate. Take that date (date in your file on mypension.be) add 10 months and you know when you will get the next one


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