VAPW stands for Voluntary Supplementary Pension for Employees. It is a system that allows employees to voluntarily build up additional pension through their salary.
Antilope De Bie Printing
Solutions
Free supplementary pension for employees (VAPW)
Not every employee builds up an extensive supplementary pension through their employer. In companies without a group insurance plan or with a limited pension scheme, this can make a difference for future pension income.
With the Voluntary Supplementary Pension for Employees (VAPW), employees have the opportunity to accumulate additional pension through their salary. The initiative lies with the employee, but the contribution is practically arranged via the employer.
For employers, this is a simple way to offer employees additional pension opportunities without incurring extra wage costs themselves. Van Dessel guides companies and employees in the practical implementation and selection of a suitable pension solution.
What is a supplementary pension insurance for employees (VAPW)?
The Free Supplementary Pension for Employees (VAPW) is a pension scheme within the second pension pillar that allows employees to voluntarily build up an additional pension through their employer.
The employee decides whether to participate and determines how much they want to contribute within legal limits. The employer deducts this contribution from the net salary and transfers it to a pension insurance or pension fund.
This scheme is especially interesting for employees:
- Without group insurance
- With a limited supplementary pension plan
- Who want to further strengthen their pension savings
The accrued capital is paid out when the employee retires.
What are the benefits?
Covers the accumulation of an additional pension capital on top of the statutory pension.
Offers an additional pension solution for employees without a group insurance plan.
Enjoy tax-advantaged saving, thanks to a tax reduction on your contributions.
Covers flexibility in contributions, allowing employees to determine their own savings amount within legal limits.
Who is this insurance for?
The VAPW is intended for employees who want to strengthen their pension.
This solution is especially relevant for:
- Employees without a group insurance plan
- Employees with limited pension plans through their employer
- Staff members who want to save extra for their pension
- Companies that want to offer employees more pension options without extra employer contributions
- Businesses wanting to expand their employee benefits
Although the initiative lies with the employee, the employer plays an administrative role by processing the contribution through the payslip.
What is covered and what is not?
What is covered?
- The build-up of supplementary pension capital
- A retirement benefit payable upon retirement
- An optional death benefit for surviving beneficiaries
- Investment returns on the accumulated pension reserves
What is not insured? The exact terms may vary, but generally:
- The pension capital is only available upon retirement
- Early withdrawals are generally not permitted
- Advance payments for real estate purposes are generally not allowed
- Contributions are subject to statutory limits
How much does this insurance cost?
The contribution for a VAPW is entirely determined by the employee themselves, within the legal limits.
The maximum contribution is generally up to 3% of the gross salary from two years prior, with a legally defined ceiling. If there is already a group insurance plan, the available amount is adjusted based on the existing pension accrual.
The contribution is automatically withheld from the payslip and transferred to the pension institution.
Stories from our customers
Groep Steylaerts
Patrick Steylaerts: “Wij hebben het volste vertrouwen in onze verzekeringspartner Van Dessel.”
Germo bvba
Bram Gers: "Vooral het maatwerk is de reden waarom ik met Van Dessel in zee ben gegaan."
Van Wellen Group
Tom Bolsens: "We waren verrast dat er uit zo'n kleine hoek dreiging kon komen."
Our promise to you
Personal & involved
a tailor-made partner
We start from your specific situation and take the time to thoroughly understand your risks, needs, and objectives. This way, you receive advice and guidance tailored to your business and everyday practice.
Expertise & experience
already 80 years in insurance
Thanks to our years of experience, we analyze your risks and insurance needs with a broad perspective. We provide a well-thought-out approach, clear solutions, and the right protection for your business.
Customization & innovation
beyond standard insurance
No standard formulas, but solutions tailored to your activities and challenges. From analysis and implementation to support in case of claims: we provide an approach that works in practice.
Would you like to receive a quote?
We analyze your activities, contractual obligations, and risks. You will receive a clear, tailor-made proposal.
Request a quote without obligation or contact us for personal advice.
Insights for entrepreneurs
08 June 2026
3 min.
The hidden impact of Branch 23 in your group insurance
A group insurance policy is an important part of the remuneration policy for many employers. It…
26 March 2026
2 min.
International employee benefits: how do you ensure consistent protection…
More and more companies are operating internationally today. Employees work from different…
21 October 2025
2 min.
Bonus plan through group insurance: smart remuneration with tax benefits
In a competitive job market, companies are constantly looking for ways to reward and retain…
10 February 2025
2 min.
The benefits of the new addition to the cafeteria plan via the 13th month
The traditional cafeteria plan has recently been enhanced with a unique new feature: coverage for…
Need help? Contact us.
Didn't find the answer to your question, or would you like to discuss your situation with a specialist? Our colleagues are happy to help you.
Prefer faster help? Check out our frequently asked questions.
Our experts
