Why has the partner's pension changed?

Do you accrue pension? Then your partner is insured for a partner's pension based on your current pensionable salary. Under the current rules, the amount of the partner's pension often depends on how many years you work for an employer. 

  1. Video about partner's pension
  2. What will change? 
  3. Why has the partner's pension changed?
  4. What can i do to increase the partner's pension?
  5. You may have also questions about

Would you rather watch the video first?

We also explain the difference between an accured partner's pensioen an an insured partner's pension. 

Watch the short video about partner's pension

You will know within 2 minutes:

  • What will change.
  • What remains the same.

What will stay the same?

  • There will still be a pension for your partner. If you die, your partner will receive a partner's pension every month for as long as they live.
 

What will change?

  • That depends on your situation:

 

 

 

  • I accrue pension

    • The amount of the partner's pension will be a percentage of your pensionable salary when you die. Social partners or employers determine this percentage. 
    • The percentage will stay the same. It does not matter how long you work for your employer. 
    • You will remain insured for a partner's pension for up to six months after you leave your employer and before you start with a new employer. 
  • I accrued pension

    If you have already built up a partner's pension before the transition to the new rules, this partner’s pension may be maintained. If you die, your partner will receive the partner's pension you had already built up. Your partner will receive this for as long as they live.

  • Already retired

    The choices you made when you retired will still apply. If you opted to include a partner’s pension, your partner will be entitled to that pension under the new rules as well. Like your own pension, your partner’s pension will move more in line with the economy.

  • I receive partner's pension

    You will receive the partner’s pension under the new rules as well. What will change is that the partner's pension will also move more in line with the economy.

    Your monthly pension payments will not change from month to month. As we do currently. we will determine your monthly pension payment amount annually. This way, you know what to expect for the entire year.

Why has the partner's pension changed? 

he Future of Pensions Act (Wtp) has changed the rules for pensions. This also changes the
rules for the
partner's pension.

Do you accrue pension? Then your partner is insured for a partner's pension based on your current pensionable salary.  

 

The partner's pension will be arranged the same way for everyone in the Netherlands 

The new rules make the partner's pension simpler, clearer and fairer. This makes it clearer what your partner can expect. 

  • The amount of the partner's pension will be a percentage of your pensionable salary when you die. Social partners or employers determine this percentage. 
  • The percentage will stay the same. It does not matter how long you work for your employer. 
  • You will remain insured for a partner's pension for up to six months after you leave your employer and before you start with a new employer. 

 

Who decided this? 

The Dutch government included these rules in the Future of Pensions Act (Wtp). Social partners, representing employers and employees, made agreements about how to apply these rules. Pension funds carry out these agreements.

What can I do to increase the partner's pension?

In most cases, you can take out additional insurance for your partner. This is called Anw-Plus
insurance
. If you die before your partner reaches State Pension age, your partner may receive a temporaryadditional partner's pension through this insurance. This applies if your partner:


•
cares for one or more children under age 18;
or

•
has an occupational disability of more than 45%.


Your employer may already have taken out Anw
-Plus insurance for all employees. In that case, it
is already part of your
pension scheme. Check Overview 1 to see what applies to you