After decades of working in Belgium, retiring in France brought a complete transformation for the better. But is the grass really greener across the border? For Marc, a recent retiree, the answer is a clear yes — his move highlights why more Belgians are choosing France for a better quality of life in retirement.
A carefully considered life choice
Marc, 65, shares his story of how, after more than 40 years of hard work in Belgium, he chose to retire in France. His decision was shaped by several thoughtful and practical reasons.
Personal and Family Considerations
One of the strongest motivations was the desire to be closer to his children, who had moved to Lyon for their studies and later established their careers there. Beyond family ties, France’s welcoming lifestyle, cleaner air, and overall quality of life made it an attractive place to begin this new chapter.
Financial Advantages and Cost of Living
France also provides notable financial benefits for retirees. For instance, foreign retirees can benefit from a partial income tax exemption during their first five years of residence. In addition, the overall cost of living — especially in healthcare, leisure, and daily expenses — is often more affordable compared to many other European countries, making retirement in France both comfortable and financially sustainable.
A transformed daily life
Marc’s everyday life has taken on a fresh rhythm and greater comfort since his move to France.
Enhanced Quality of Life
Marc openly shares his satisfaction with the improvement in his well-being since retiring in France. A mild climate, a vibrant cultural scene, and world-class gastronomy all contribute to enriching his daily life and overall happiness.
A Variety of Activities
France’s diverse landscapes and regions provide endless opportunities to stay active and engaged. Whether he’s exploring nature or immersing himself in local traditions, Marc finds no shortage of fulfilling experiences.
- Hiking in the Alps, surrounded by breathtaking scenery
- Wine tasting in Burgundy, discovering the art of French vineyards
- Cooking workshops with locals, learning authentic regional recipes
A positive assessment
After spending several years in France, Marc is convinced that retiring across the border was the best choice he could have made.
“I have never felt more fulfilled than I do here. Every day in France allows me to rediscover the simple joys of living life to the fullest,” he shares with a smile.
Marc’s experience serves as an inspiring example for those considering retirement abroad, proving that a change of country can open the door to unexpected opportunities and a more enriching lifestyle.
Additional information
For anyone considering retirement in France, it is essential to research the bilateral agreements between Belgium and France on social security and pensions. Running a simulation of anticipated expenses is also highly recommended, as it provides a clearer picture and helps retirees plan their move with greater confidence.
FAQ’s
Why do many Belgians choose to retire in France?
Many Belgians are drawn to France for its mild climate, diverse landscapes, cultural richness, and often lower cost of living compared to Belgium. Proximity to family, better lifestyle opportunities, and tax benefits also make it an attractive option.
Can Belgian retirees receive their pension while living in France?
Yes. Under European Union regulations and bilateral agreements, Belgian retirees can continue to receive their pension while residing in France without interruption.
Are there tax advantages for Belgian retirees in France?
France offers tax incentives for foreign retirees, including partial income tax exemptions during the first five years of residency, depending on personal circumstances.
How does the cost of living in France compare to Belgium?
Generally, daily expenses such as healthcare, leisure, and housing can be more affordable in France. However, costs vary by region—cities like Paris are more expensive, while rural areas and smaller towns offer better value.
What healthcare benefits do Belgian retirees get in France?
Retirees from Belgium can access French healthcare through EU agreements, which allow the transfer of healthcare rights. Many retirees also opt for private supplemental health insurance to cover additional costs.
Is the quality of life really better in France for retirees?
For many, yes. France offers a slower pace of life, excellent cuisine, rich cultural activities, beautiful natural surroundings, and a healthcare system ranked among the best in the world.
Do Belgian retirees face language barriers in France?
Most Belgian retirees who already speak French adapt easily, especially in French-speaking regions. In areas where French isn’t the native tongue (such as Brittany or Provence, with their regional dialects), adaptation is still manageable.
Conclusion
Marc’s journey from a lifetime of work in Belgium to a fulfilling retirement in France highlights the many benefits of taking the leap across borders. From improved quality of life and a milder climate to better healthcare, diverse activities, and financial advantages, retiring in France offers a compelling option for Belgians seeking a richer, more enjoyable lifestyle.
