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Additional purchase options

The purpose of the additional purchase is to fill the loopholes in the future pension benefits of the insured person due to missing years in his contributions or to an increase in his salary during his career.

Upon joining the Patrimonia Foundation or even during their membership, every insured person may consequently supplement their capital in order to receive higher benefits. The additional payments may usually be deducted from the taxable income of the insured person.

It should be borne in mind that all your additional purchases are paid to your heirs as a lump sum in the event of death. In fact, depending on your pension plan, we finance the partner’s pension without touching the additional purchases. Additional purchases are paid as a lump sum.


Questions about your entitlement to benefits?

At Patrimonia, we listen to you and endeavour to provide precise answers to the questions you ask us. On this site we answer a series of questions that we are frequently asked by insured persons. Do not hesitate to get in touch with us if you are unable to find the information that you are looking for. Please note that you can find a full explanation of your pension certificate on this site.

Access the page Frequently asked questions (insured persons)

 

The insured person who wishes to make an additional payment must notify Patrimonia of his intention using the form provided for this purpose. The Foundation calculates the maximum amount of the additional purchase and informs the insured person. It should be noted that the exercise of the right to make additional purchases may be subject to conditions. For example, if advance payments have been agreed to encourage home ownership, additional purchases may not be made until these payments have been reimbursed. If the insured person has arrived from abroad and he has been subject to occupational benefits insurance for at least 5 years, the amount of the additional purchase is limited to 20% of the insured salary. A payment of additional purchase years cannot be made as a lump sum for a period of 3 years. The details of the conditions governing additional purchases are included in the General Terms and Conditions of Patrimonia. You will find an explanatory note here.