And among them, more than 300,000 will be unable to work until retirement.
At the end of 2023, Belgium had 526,507 people who had been unable to work for more than a year. And among them, just over 300,000 will never return to work,according to data from the INAMI.
In comparison, that's 10 times more than the number of road accidents...and yet you still fasten your seatbelt.
So why not put a safety belt on your income?
A disability, an accident, a serious illness... And your lifestyle is turned upside down.
💡 Solutions exist to protect your income, your loved ones, and your assets.
Self-employed workers most financially exposed in the event of incapacity for work
Whether you are a self-employed professional, freelancer, manager, or senior executive, your income depends directly on your work. If you are unable to work, no one else will generate revenue for you.
And that's when the shock occurs:
- activity comes to a sudden halt
- income disappears
- expenses continue
- retirement savings become impossible to maintain
The solution: guaranteeing income in the event of disability
When a freelancer or self-employed professional is forced to stop working, their entire business model collapses: no more work means no more revenue!
To avoid having to dip into your savings or give up on your plans, there is a structured and reliable solution:guaranteed income.
Guaranteed income: a tailor-made annuity
This contract provides for the payment of a fixed monthly amount, freely defined at the time of subscription, which is paid to you as long as the disability is medically recognized.
This solution:
- replaces a significant portion of your usual income
- ensures financial continuity without any direct link to market fluctuations or turnover
- allows you to cover your personal expenses and maintain your standard of living
In addition: turnover insurance
For certain profiles: professionals, executives, consultants, etc., income depends directly on the revenue generated. That is why solutions exist to cover this aspect as well:
- CA insurance compensates you based on your previous results.
- it can cover a partial or total loss, depending on the contract
- Ideal when revenue is strongly linked to the active presence of the professional
This approach perfectly complements guaranteed income by faithfully replicating the economic functioning of self-employment.
Don't sacrifice your pension!
Self-employed workers and executives build their own pension capital through private savings products (EIP,PLCI, traditional pension savings, non-taxable savings, etc.).
In case of incapacity:
- the contribution becomes a difficult expense to bear
- interrupting payments jeopardizes the ultimate goal
- financial pressure is increasing at an already difficult time
The solution: premium exemption.
Some contracts stipulate that, if you are unable to work, the insurer will continue to pay the premiums on your behalf:
- you stay organized without effort
- savings continue
- you will reach your target capital, no matter what happens
It is an additional safety net, discreet but fundamental.
Key figures
- 526,507 people with long-term disabilities in Belgium (2023)
- more than 300,000 will remain in this situation until retirement
- 69% of self-employed individuals affected remain inactive for more than three years.
- cost to the government: over €9 billion per year
What if you put a safety belt on your income?
Securing your income, turnover, and pension is not a luxury, but a necessity for anyone whose income depends on their direct activity. Solutions exist, are accessible, and require no initial commitment.
You've worked hard to create value. Why not protect it properly?
An RGF expert can offer you a personalized analysis, free of charge, to secure your income and future savings.
Would you like to know how much your disability benefits would be?
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