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Getting divorced

​If you and your partner separate, there are implications for your pension.


 PGB Video

Your partner's pension is for your ex-partner
Your ex-partner will receive the partner’s pension that you accrued until the time you separated. This means that any potential new partner will receive less pension from us if you die.
If you and your ex-partner don’t want that situation to arise, your ex-partner could renounce his/her right to a partner’s pension.

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You can apportion your retirement pension in four ways

Together with your ex-partner, you agree how your retirement pension is to be apportioned. You can apportion it in four ways:

1. You apportion your pension in accordance with the law  
In this case, half of the retirement pension you accrued during your marriage or registered partnership will go to your ex-partner. That is prescribed by law.

If you retire
Then both you and your ex-partner receive a retirement pension.

If your ex-partner dies before you retire
Then you will get back the retirement pension (and partner’s pension) that was apportioned to your ex-partner.

If your ex-partner dies after your retirement
Then you will only get back the retirement pension from your ex-partner.

If you die first
Then your ex-partner will no longer receive a retirement pension. Although he or she will still receive a partner’s pension.
4. Your ex-partner receives his/her own pension 
Your ex-partner receives a part of your retirement pension and your partner pension. We convert this into 1 pension. Your ex-partner will receive this pension when he/she retires. This is called conversion.

If you retire
You’ll receive a retirement pension, but your ex-partner will only receive a retirement pension when he/she retires. 

If your ex-partner dies first
You’ll not get back the pension that was being held separately for your ex-partner.

If you die first
Your ex-partner won’t receive a partner’s pension. But he/she will receive a retirement pension when he/she retires.

Your retirement pension can, therefore, be apportioned in different ways
It is essential that you inform us how you would like your retirement pension to be apportionment within two (2) years. Only then we will, at a later date, be able to pay your retirement pension to your ex-partner in accordance with this apportionment.

Step 3: Send these agreements to us
You should pass on the apportionment of your pension to us, using the government’s forms. If your agreements are other than those prescribed by law, you must sent us a copy of your prenuptial/postnuptial agreement, the terms of your partnership or your divorce settlement. 

You then send the form (with copy) to: Pensioenfonds PGB,  Attn. Klantenservice, Postbus 7855, 1008 CA  AMSTERDAM                                                                    

There are two exceptions to the apportionment of your pension

In some situations you do not need to apportion your pension. Below, you can read what these two exceptions are.
You divorced before 1 May 1995
Did you get divorced between 1 January 1981 and 1 May 1995? If so, there were different rules governing the apportionment of your partner’s pension and retirement pension. However, we can do a calculation for you to apportion your pension.
You have accrued very little pension
If, after apportionment, your pension is less than € 484.09 gross per year (amount 2019), you do not need to apportion your pension. 
If your accrued partner’s pension is less than € 484.09 gross per year (2019 amount), your ex-partner will receive a proposal suggesting the partner’s pension be paid out as one lump sum. This is referred to as commutation.