Pension arrangements in your sector

Much will remain the same

• You and your employer will continue to contribute towards your pension.
• Once you’ve retired, you'll receive your pension every month as normal for as long as you live, no matter how long you live.
• You can still make choices when you retire. For example, retiring early, a higher pension for the first years or more or less pension for your partner in case you pass away.
• There will still be a pension for your partner and children (if you have them), which they will receive after your death.
• The AOW (state pension) from the government remains.

Here’s what will change

You will get a personal pension pot

We will convert the pension entitlements you have built up with us into an amount that will be put into your personal pension pot. The money you and your employer contribute each month will also go into that pension pot. We will invest the money from all personal pension pots together.

Your pension will move more in line with the economy

This means that we will be able to increase your pension quicker when the economy is doing well. However, if the economy isn’t doing so well, we will also be able to reduce your pension.

Agreements to minimise pension reductions

We will reduce the level of risk in our investments as you approach your retirement age or when you’re retired. We will spread out the investment results for pensioners over several years. And there is a reserve fund to minimise pension reductions for pensioners.

Partner's and orphan's pension: a percentage of your salary

In the event of your untimely death, your partner and children will receive a partner's and an orphan's pension. The partner's and orphan's pension will be a percentage of your salary at the time of your death. How long you have worked for your employer no longer matters. Are you working in the Graphic Media sector? In that case, you will receive a temporary partner pension until your partner receives a state pension. In any case, you are insured for a partner's and an orphan's pension as long as you pay pension contributions towards your pension with us.

If you've already built up a partner's pension with us before the transition to the new rules, this partner’s pension will be maintained. If you die while still contributing towards your pension with us, your partner will receive the partner's pension according to the new rules and the partner's pension accrued under the old rules.

In the new situation, children will receive an orphan's pension until the age of 25. Currently, this is up to age 21, or 27 if they are studying.

Much will remain the same

• Once you’ve retired, you'll receive your pension every month as normal for as long as you live, no matter how long you live.
• You can still make choices when you retire. For example, retiring early, a higher pension for the first years or more or less pension for your partner in case you pass away.
• If you've accrued a partner's pension with us, it will be maintained. If you die before you retire, your partner will receive this.
• The AOW (state pension) from the government remains.

Here’s what will change

You will get a personal pension pot

We will convert the pension entitlements you have built up with us into an amount that will be put into your personal pension pot. We will invest the money from all personal pension pots together.

Your pension will move more in line with the economy

This means that we will be able to increase your pension quicker when the economy is doing well. However, if the economy isn’t doing so well, we will also be able to reduce your pension.

Agreements to minimise pension reductions

We will reduce the level of risk in our investments as you approach your retirement age or when you’re retired. We will spread out the investment results for pensioners over several years. And there is a reserve fund to minimise pension reductions for pensioners.

Much will remain the same

• You will still receive your pension every month for as long as you live, no matter how long you live.
• The arrangements you made when you retired will still apply, including those about the pension for your partner after your death.
• The AOW (state pension) from the government remains.

Here’s what will change

Your pension will move in line with the economy

This means that we will be able to increase your pension quicker when the economy is doing well. However, if the economy isn’t doing so well, we will also be able to reduce your pension.

Agreements to minimise pension reductions

We will invest with less risk once you’ve retired. We will spread out the investment results over several years. And there is a reserve fund to minimise pension reductions for pensioners.