New pension rules have been drawn up. But not everything changes. The strengths will remain unchanged. Find out here what stays the same and what changes.
The new rules also cause a number of things to change. For example, everyone will soon be covered by a contribution scheme, the pension will adapt more to the economy and the rules for the survivor’s pension are also changing.
Everyone will receive a contribution scheme under the new pension. Some employers at Pensioenfonds PGB already have a contribution scheme for their employees. Employees who currently have an average salary scheme will also receive a contribution scheme when the new rules come into effect.
With the contribution scheme, your employee can see exactly how much money you contribute together and how the pension is growing. If your employee retires later, the pension pot contains an amount for their pension. From this amount, a lifelong pension is then paid to your employee.
At Pensioenfonds PGB, we will soon have a solidary contribution scheme or a flexible contribution scheme. Which scheme your employees (can) receive depends on your affiliation, among other things.
Pensions will move more in line with the economy. This means we can increase pensions more quickly when the economy is doing well. If the economy is not doing so well, we can also reduce pensions more quickly.
To prevent the latter as much as possible, agreements have been made, but what they are depends on your pension scheme. The solidarity contribution scheme, for example, has a reserve fund to supplement the pensions of pensioners, so reductions are prevented as much as possible. And we spread the results of our investments over several years to ensure pensions do not suddenly increase or decrease significantly.
Rules for pensions in the event of death will soon be the same for everyone
Rules for pensions will soon be the same for everyone in the event of death. This makes it clearer what you as a survivor can count on.
If your employee dies while he or she is employed, the partners pension will be a percentage of the last salary. The agreements about this percentage are made by the sector or by you as an employer if you are voluntarily affiliated with us.
What you have to do for the new pension depends on your affiliation with Pensioenfonds PGB.
