Financial stress is the single largest source of workplace stress in Belgium today, ahead of workload and management. The bill shows up in absenteeism, productivity and turnover. The data, summarised.
Pension is the most expensive benefit a Belgian employer pays for, and the one employees value least. Not because it is unimportant, but because nobody can see, feel, or compare what they actually own. A practical look at why that happened, why it broke, and what HR can do this quarter.
Tak 21 is a tax category for life-insurance contracts where your capital is guaranteed. The bank promises you cannot lose your principal. In exchange, the return is low. Often below inflation.
The 80% rule caps total pension benefits (statutory plus supplementary) at 80% of final gross salary over a normal career. Most directors discover it years after they could have started filling the gap.
