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Getting divorced

If you and your partner separate, your pension is affected.

Your partner's pension is for your ex-partner
Your ex-partner will receive the partner's pension if you predecease him/her. If you and your ex-partner do not want that situation to arise, then your ex-partner can waive the right to a partner's pension (only in Dutch).

 

 


N.B. If you have a new partner, then he/she will not receive a pension from us when you die. This is because you got married or started cohabiting after your retirement (date).

You apportion your pension

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

You apportion your pension in a different way

You may want to apportion your retirement pension in a different way. For example, 70% for you and 30% for your ex-partner. Or should account also be taken of the period before your marriage because you already cohabited?

- If your ex-partner dies first:
  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/she will still receive a partner’s pension.

Your ex-partner receives his/her own pension

Your ex-partner receives a retirement pension and a partner’s pension from us. We convert this into one pension. Your ex-partner will receive this pension when he/she retires. This is referred to as conversion.

- If your ex-partner dies first: 
  then you will not get back either the retirement pension or the partner’s
  pension that was apportioned to your ex-partner.
- If you die first:
  then your ex-partner won’t receive a partner’s pension. But he/she will
  receive a retirement pension when he/she retires.

 

You arrange the apportionment of your pension in three steps
It is essential that you inform us how you would like your pension to be apportioned within two (2) years of your separation (divorce). Then we will, at a later date, be able to pay your retirement pension to you and your ex-partner in accordance with this apportionment.

Step 1: Apportion your pension
Together with your ex-partner, you agree how your pension is to be apportioned. If you stipulated the apportionment of your pension in a prenuptial/postnuptial agreement or in the terms of your partnership, you should go to step 3.
Step 2: Specify the apportionment
If the agreements you and your partner make differ from those prescribed by law, you must record these agreements in a divorce settlement. You do this through your civil-law notary or lawyer.
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 also send us a copy of your prenuptial/postnuptial agreement, the terms of your partnership or your divorce settlement.

You should send the form (with any copies) to: Pensioenfonds PGB                  
                                                                                 Afd. Klantenservice 
                                                                                 Postbus 7855
                                                                                 1008 CA AMSTERDAM

You do not have to apportion your pension if you marry after your retirement (date) 
Your ex-partner won’t receive a pension from us if you die, nor do you need to apportion your retirement pension.This is because you married after your retirement (date).