Belgium's Pension Overhaul: Civil Servants' Medical Pensions End by 2026, Shift to INAMI System

December 5, 2025
Belgium's Pension Overhaul: Civil Servants' Medical Pensions End by 2026, Shift to INAMI System
  • SPF Pensions records show 87,842 people were receiving retirement due to physical incapacity as of January 2025, signaling the potential scale of impact from the reform.

  • The reform brings civil servant health-related pensions in line with broader pension reform goals and aims to improve cost control and sustainability of the pension system amid unemployment reforms.

  • Starting in 2026, civil servants deemed permanently unfit for work will move from civil service pension schemes to the INAMI health-insurance system, with public employers such as federal entities, police, emergency services, and the military required to pay social contributions.

  • Long-term sick leave benefits for public servants will be moved into the same regime as private-sector employees, transferring costs and management to INAMI and employers.

  • The government’s pension reform, part of a wider unemployment reform package under Prime Minister De Wever, will end medical pensions for statutorily employed civil servants effective April 1, 2026.

  • The changes could place significant financial strain on the Federation Wallonie-Bruxelles and other regional public sectors, affecting teachers and other public workers.

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