Will I get a higher pension under the new rules?

That is the key question when it comes to the new pension system. Will I get more money later, or perhaps less? We can't answer those questions yet, however. Caitlin Zijler from our customer service department explains how it works.

27 November 2025

We expect to switch to the new pension system on 1 January 2027

If winhoude look at the current financial situation, most people with a pension with us will be better off under the new rules. But a lot can happen between now and 1 January 2027. In your life, with the economy and our financial situation. And all of this affects the amount of your pension later on.

How the new pension system will affect you, depends on, among other things:

the agreements that your sector or (former) employer made about the new pension system;
the economy and our financial situation at the time of the transition;
whether you are retired or whether you are still accruing a pension with us;
how much pension you have accrued;
your age if you are not yet retired;
And the pension scheme you have now.

In addition, changes in your life may also play a role, such as changing jobs or going through a divorce.

You will receive an initial assessment in the autumn of 2026

In the summer of 2026, we will send you an example of how the new pension system will affect people, but this is not yet specific to your own pension. In the autumn of 2026, you will receive a first overview with your personal amounts. These amounts are an estimate based on the situation at that time. You will receive second overview in the autumn of 2027. This overview will set out the amounts of your new pension.