Frequently asked questions

The Uniform Pension Statement (UPS) helps you understand how much pension you will receive when you retire. You will find the answers to many of your questions about the UPS on this page.

The five most frequently asked questions

My pension is less than I expected. Is this a result of current interest rates?

From 1 January 2015 many pension schemes have been altered, because new rules apply regarding maximum pension accrual. This adjustment may result in your expected pension being lower.

Do you have a defined contribution or capital sum scheme? If so, a lower pension could well be the result of current low interest rates. A defined contribution or capital sum scheme requires you to purchase a pension with your accrued capital when you retire. You will find this information on your UPS under ‘At retirement’.

The amount of the pension you purchase will depend on a number of factors, including current interest rates. The annual pension benefits you can buy will thus depend on interest rate at that time. The higher the interest rate, the higher your pension benefits. The lower the interest rate, the lower your pension will be. To give you a more realistic picture of the pension you can expect, from 2016 all pension providers will make calculations using the interest rate of 31 December 2015. For the amounts on your Uniform Pension Statement we have therefore based calculations on an interest rate of 1.27% for the lifelong old-age pension. The old-age pension calculated is an example. The pension you receive at retirement depends on the actuarial interest at that time.

Do you invest for your pension in lifecycles? A low interest rate will then have less effect on how much pension you receive.

Read also the “Explanation of Uniform Pension Statement” in Mijn documenten within Mijn Delta Lloyd.

View the explanatory video Interest rate risk and your investment pension.

Why have I not received my Uniform Pension Statement?

From 2016 you can read and download your Uniform Pension Statement online on Mijn Delta Lloyd. We no longer send the Uniform Pension Statement by post.

Are you having problems logging in to Mijn Delta Lloyd? Please contact us.

Why are there several Uniform Pension Statements on Mijn Delta Lloyd?

There can be a number of reasons for this:

  • You may have several pension insurance policies with Delta Lloyd. Unfortunately, in some cases it is not possible for us to combine them on one Uniform Pension Statement for administrative reasons.
  • With the increase in the statutory retirement age to 67, it is also possible that we have created a new pension insurance policy. This new insurance policy will then have its own Uniform Pension Statement.
  • Are you accruing pension with the Continuous Pension Plan? For this accrual you receive a separate Uniform Pension Statement.

Each Uniform Pension Statement will clearly state which pension insurance policy it concerns. We understand that it may be difficult to get to grips with your pension entitlements if you receive multiple Uniform Pension Statements. With your DigiD you can see a comprehensive overview on www.mijnpensioenoverzicht.nl. This website will thus also show you any pension entitlements you have with other pension providers. Only the value of a Continuous Pension Plan is not shown. Unfortunately, this cannot be found on mijnpensioenoverzicht.nl.

Why does my Uniform Pension Statement make no mention of my partner?

This can be for one of the following reasons:

  • According to your employer’s pension scheme, the retirement pension is only for you and there is no pension for your partner on the event of your death. See the explanatory notes to your Uniform Pension Statement for further information.
  • The ‘unspecified partner system’ applies to the pension associated with your insurance. In this type of pension insurance, it will be ascertained upon your death whether you have a partner who is eligible to receive a partner’s pension.
Consult your Pension introductory letter to see whether one of the reasons mentioned above applies to your situation. You may of course also check with your employer. It is also possible that no details of your partner are registered with Delta Lloyd. You can pass on these details through your employer.

When will the details from my Uniform Pension Statement appear on mijnpensioenoverzicht.nl?

Your pension data as at 31 December 2015 will be available on mijnpensioenoverzicht.nl from June 2016.
From July 2016 we will update your pension data on mijnpensioenoverzicht.nl more frequently. Updates will then be made every four months if there are changes in the data. In the July 2016 update you will be able to see changes to your pension details as of 1 January on mijnpensioenoverzicht.nl.

What steps can I take to increase my pension?

The accrual options for your pension through your employer have been restricted since 1 January 2015. The maximum permissible accrual rates have been reduced. Whether or not you can increase you pension depends on your personal situation and wishes. Sometimes you can make additional payments to your pension insurance. Your introductory letter will tell you whether this is possible in your situation. Naturally, you can also save for retirement outside the confines of your pension insurance. There are many options open to you, and you can make an appointment with your financial adviser for help in deciding what is best. You can also look at 'zelf extra pensioen regelen'.

What if you earn more than €100,000.00 (2015 amount)? From 1 January 2015 you cannot accrue any pension on income in excess of this amount. Go to here to find out more about the changes and what your options are.

About the Uniform Pension Statement

What is the Uniform Pension Statement for?

Your Uniform Pension Statement gives you information about the pension that you are accruing while working for your current employer. If you have a partner and/or children, the statement also shows what they will receive if you die. If you are accruing supplementary pension, for example with an annuity or blocked bank savings account, you will also need your Uniform Pension Statement for your tax return. If you are over 37, you will also need your Uniform Pension Statement if you want to take out a mortgage. If you are under 37, the bank can ask to see your Uniform Pension Statement so that it will know what arrangements are in place should you become occupationally disabled or in the event of your death.

You will receive this pension statement every year, unless you no longer work for your employer. In that case you will receive a Uniform Pension Statement from us once every five years.

See our helpful explanatory video about the Uniform Pension Statement.

We advise you to keep this statement, together with any statements you receive from other pension providers. On www.mijnpensioenoverzicht.nl you can find all your pensions with the various pension providers. You can also see how much your Dutch state pension (AOW) will be worth. On www.pensioenkijker.nl there is general information about pensions.

What is not on the Uniform Pension Statement?

You will not find the following information on the Uniform Pension Statement:

  • The AOW payment that you will receive from the Dutch state. With AOW-leeftijd berekenenyou can calculate on the Dutch government’s website when you will start receiving your AOW;
  • Any benefits that you receive under the Surviving Dependants Act (Anw) and the Work and Income (Capacity for Work) Act (WIA);
  • Separate pension and other insurance policies, such as paid-up entitlements;
  • Any supplement to your pension that you have accrued through annuity insurance.

Is there also a Uniform Pension Statement for the pension that I accrue in the Continuous Pension Plan?

If you accrue pension in the Continuous Pension Plan through your employer, there will be a Uniform Pension Statement for these entitlements. If your Continuous Pension Plan is an annuity product, there is no Uniform Pension Statement for it. In this case you will only receive an annual Costs & Value Statement. You can see on your policy whether you have an annuity product or a pension product.

You cannot find the value of your Continuous Pension Plan on mijnpensioenoverzicht.nl.

About your data on the pension statement

Why is the reference date on the Uniform Pension Statement 31 December?

The Netherlands Authority for the Financial Markets (AFM) advises pension providers to use 31 December as reference date. Last year Delta Lloyd decided to follow the AFM’s advice.

The AFM gives the following reasons for using this reference date:

  • Clarity: the Uniform Pension Statement shows pension accrual up to and including the previous year. It can be confusing to see your current salary (from 1 January) on your Uniform Pension Statement. Pension accrual is based on your salary to 31 December.
  • • Speed: it takes us a long time to enter into the Uniform Pension Statement new salary data and other changes that take effect on 1 January.


The Uniform Pension Statement from Delta Lloyd has the same reference date as most other pension providers. This makes it easier to compare Uniform Pension Statements from different employers or pension providers. Any changes that took effect on 1 January 2016 cannot yet be seen on the Uniform Pension Statement. These could include such things as salary changes or changes to the pension scheme.

Why does my Uniform Pension Statement make no mention of my partner?

This can be for one of the following reasons:

  • According to your employer’s pension scheme, the old-age pension is only for you and there is no pension for your partner. See the explanatory notes to your Uniform Pension Statement for further information.
  • The ‘unspecified partner system’ applies to the pension associated with your insurance. In this type of pension insurance, it will be ascertained upon your death whether you have a partner who is eligible to receive a partner’s pension.
Consult your Pension introductory letter to see whether one of the reasons mentioned above applies to your situation. You may of course also check with your employer. It is also possible that no details of your partner are registered with Delta Lloyd. You can pass on these details through your employer.

Why is a partner benefit mentioned on the Uniform Pension Statement, although I have no partner?

The pension commitment is meant for you as member, but also for any future partner. You may convert part of the partner pension into old-age pension before your old-age pension begins. We call this ‘conversion’. We will send you more information about your options at least six months before the start of your old-age pension.

I am divorced. What does this mean for the amounts on my Uniform Pension Statement?

This will depend on the type of pension scheme you have.
Do you have a Defined benefit scheme and have you made arrangements with your former partner about the division of your pension? And have we processed those arrangements? Your former partner’s entitlement is given on the Uniform Pension Statement. Do you have a Capital sum scheme and have you made arrangements with your ex-partner about the division of your pension? Your Uniform Pension Statement shows the capital that is allocated to your former partner. A pension indication is also calculated for this capital. If you cannot see any allocation of pension or capital to your former partner, although you would expect to see this, it may be that your divorce has not yet been fully processed. In that case, please contact us.

If you have a Defined contribution scheme based on investments, your former partner’s benefit cannot be seen on the Uniform Pension Statement. Your former partner’s share still has to be deducted from the pension indication issued.

You may also have agreed with your former partner that part of the capital will be used to purchase a pension for your former partner. This is called conversion. When we have confirmed the conversion, the capital or amount shown has already had the capital for a pension for the former partner deducted.

Would you like to have more information about what a divorce means for your pension? Click here for more information.

Although I have children, on my Uniform Pension Statement it says: ‘no children'. Why is that?

This can be for one of the following reasons:

  • In your employer’s pension scheme there is no possibility to insure for an orphan’s pension.
  • Coverage of the orphan’s pension is obligatory in your employer’s pension scheme, but we have no data on your children. See the explanatory notes to your Uniform Pension Statement, under ‘in case of death’, for further information.
  • The orphan’s pension is not automatically included in your employer’s pension scheme; you have to choose this coverage. According to our information, you have not opted for an orphan’s pension. See the explanatory notes to your Uniform Pension Statement for further information.

Consult your Pension introductory letter to see whether one of the reasons mentioned above applies to your situation. You may also check with your employer.

The date of my commencement of employment is not given correctly on my Uniform Pension Statement. How is that possible?

Sometimes the date of commencement of your employment given on the Uniform Pension Statement does not correspond to the actual date on which you commenced employment with your employer. In that case, the date of commencement of employment on the Uniform Pension Statement corresponds to the date on which we took out the insurance or changed it in our records. If you have not been informed about this, please contact our Client Service Desk on +31 (0)20 - 594 81 00 (8:30 to 17:30 on business days).

The pensionable salary on my Uniform Pension Statement is incorrect. How is that possible?

The pensionable salary varies according to the pension scheme:

  • Not all parts of your salary automatically count towards your pension. This is true, for example, of shift bonuses or a 13th month payment. In this case your pensionable salary is lower than your gross annual salary.
  • On your Uniform Pension Statement, we give your salary on the basis of a full-time contract of employment. If you work part-time, this will therefore be a different salary from the one that you are paid. If, for example, you work 50% of full-time and your salary is €15,000.00, your full-time salary will then be €30,000.00 and that will be the salary given in your Uniform Pension Statement. Below that it will say that you have a part-time contract of employment totalling 50% of full-time.

Another reason may be:

  • Your salary change has not yet been processed in our administration.
  • Your pension scheme includes a maximum salary on which you can accrue pension. If you have a higher salary, you do not accrue any pension on that part of the salary that is in excess of the maximum. From 1 January 2015 the maximum pensionable salary is €100,000.00 (2015 amount).
  • Your Uniform Pension Statement is based on the data as at 31 December 2015. Any change in salary as of January 2016 is therefore not shown on this Uniform Pension Statement.
Is there a big difference between the salary given on your Uniform Pension Statement and your actual salary? Consult your Pension introductory letter for information on this or contact your employer.

How can it be that my pension to be earned is €0.00?

This can be for one of the following reasons:

  • It is possible that your old-age pension is insured through a different insurance policy and/or with a different insurer. Your pension insurance with Delta Lloyd consists only of term insurance. In this case you do not accrue any pension, but your partner will receive a pension benefit if you die before your retirement date. Please contact your employer to find out what kind of pension scheme you have.
  • You are a prospective member. This means that your pension scheme has not yet started, so you are not yet accruing pension. You can contact your employer for more information.

Mijn pensioenuitkering is lager dan ik had verwacht. Heeft dit te maken met de huidige rente?

From 1 January 2015 many pension schemes have been altered, because new rules apply regarding maximum pension accrual. This adjustment may result in your expected pension being lower.

Do you have a defined contribution or capital sum scheme? If so, a lower pension could well be the result of current low interest rates. A defined contribution or capital sum scheme requires you to purchase a pension with your accrued capital when you retire. You will find this information on your UPS under ‘At retirement’.

The amount of the pension you purchase will depend on a number of factors, including current interest rates. The annual pension benefits you can buy will thus depend on interest rate at that time. The higher the interest rate, the higher your pension benefits. The lower the interest rate, the lower your pension will be. To give you a more realistic picture of the pension you can expect, from 2016 all pension providers will make calculations using the interest rate of 31 December 2015. For the amounts on your Uniform Pension Statement we have therefore based calculations on an interest rate of 1.27% for the lifelong old-age pension. The old-age pension calculated is an example. The pension you receive at retirement depends on the actuarial interest at that time.

Do you invest for your pension in lifecycles? A low interest rate will then have less effect on how much pension you receive.

Read also the “Explanation of Uniform Pension Statement” in Mijn documenten within Mijn Delta Lloyd.

View the explanatory video Interest rate risk and your investment pension.

What part of my investments have I converted into guaranteed pension?

If you have used all or part of the contribution or of your investment value to purchase a guaranteed pension, this will be included under ‘guaranteed pension’. You will only see an amount here if you purchased a guaranteed pension before 31 December 2015.

If you would like to see your current situation, log in to Mijn Delta Lloyd.

I have converted investments into a guaranteed pension, but I cannot see this on my Uniform Pension Statement. Why is that?

Did you convert the investments into guaranteed pension before 1 January 2016? If so, you will see this on your Uniform Pension Statement under ‘What is the value of your pension?’. It is necessary for the contribution or converted part of the investment value to have been used before 1 January 2016 to purchase a guaranteed pension. If that is not the case, you will only see this information on the next Uniform Pension Statement that you receive from us. If you would like to see your current situation, log in to Mijn Delta Lloyd.

Where can I find more information about my pension?

You can find additional information about your pension in the explanation of the Uniform Pension Statement. For extra information, please see your introductory letter, which describes your pension scheme in detail. You will have received the introductory letter when you became a member of your pension scheme or if there was a change to your pension scheme. This is usually at commencement of employment with your current employer or if your employer enters into a new pension scheme.

What is factor A?

Factor A stands for your pension accrual over the year. Using factor A you can calculate whether you have the possibility under tax regulations to deduct an annuity premium from your taxable income. To do this you can use the tax service’s Rekenhulp Lijfrentepremie.

If you have no annuity insurance or banking annuity and you do not intend to take out either of these, then you do not have to do anything with factor A.

The 2016 Uniform Pension Statement gives the ‘factor A’ for 2015.

Why has factor A changed?

The legal regulations that stipulate how we determine factor A have changed. In most cases these new rules result in a higher factor A. This may mean that you will not be able to deduct as much annuity premium from your taxable income.

A specific policy number is missing from my Uniform Pension Statement. How is that possible?

In exceptional cases it is not possible to draw up a Uniform Pension Statement, for administrative or systems engineering reasons. In such cases we will still provide you with a pension statement and/or value statement. You will find here the insured amounts relating to missing policy numbers.

How up-to-date is the data on my Uniform Pension Statement?

The data on your Uniform Pension Statement is based on your pension entitlements as at 31 December 2015. If there has been any change to your pension scheme since that date, you will not see it on your Uniform Pension Statement. From July, we will report these changes to mijnpensioenoverzicht.nl every three months.

How can I report a change?

You can notify your employer of a change in your personal situation, for example if you get married, start to work fewer hours or have a child. Your employer will then contact Delta Lloyd. If you no longer work for your employer, please contact our Client Service Desk. You can call us on +31 (0)20 - 594 81 00 from 8:30 to 17:30 on business days.

The size of pension you can expect

I have pension insurance based on investments. How much pension can I expect?

The amount of the pension you purchase will depend on a number of factors, including current interest rates. The annual pension benefits you can buy will thus depend on interest rate at that time. The higher the interest rate, the higher your pension benefits. The lower the interest rate, the lower your pension will be. To give you a more realistic picture of the pension you can expect, from 2016 all pension providers will make calculations using the interest rate of 31 December 2015. For the amounts on your Uniform Pension Statement (UPS) we have therefore based calculations on an interest rate of 1.27% for the lifelong old-age pension. The old-age pension calculated is an example. The pension you receive at retirement depends on the actuarial interest at that time.

The interest rate is currently very low. Do you invest for your pension in lifecycles? A low interest rate will then have less effect on how much pension you receive.

Read also the “Explanation of Uniform Pension Statement” in Mijn documenten within Mijn Delta Lloyd.

View the explanatory video Interest rate risk and your investment pension. .

Do I have enough pension?

We cannot decide that for you. For more information on this, please contact a financial adviser. Your financial adviser can use your Uniform Pension Statement to see whether you are accruing sufficient pension. Your adviser can then give you personal advice on how to proceed. There are various options involving insurance or savings, including a blocked bank savings account, which you can use to make up any shortfall in your pension. To find an adviser in your area, you can go to www.deltalloyd.nl/adviseur.

Before you approach a financial adviser, you can also check your future income yourself. Delta Lloyd has developed the Income Compass so that you can quickly gain an understanding of your financial situation. Click here to access the Income Compass.

Will my pension retain its value?

Your Uniform Pension Statement shows how much pension you are accruing with your employer. You can probably buy more with one euro today than will be possible in a few years’ time. A euro will then be worth less. This is called inflation. If you would like further information about how inflation works and how it affects your pension, watch this video.

On your Uniform Pension Statement, you can see under ‘Is your pension retaining its value?’ whether the pensions accrued are being increased. An increase in the pension accrued compensates wholly or partially for inflation.

Receiving and sending the UPS

For whom is the Uniform Pension Statement intended?

The Uniform Pension Statement is intended for employees who are currently accruing pension through their employer or who have done this in the past.

When is my Uniform Pension Statement produced, so that I have access to it?

You are working for an employer
The Uniform Pension Statement gives you an overview of the pensions that you are accruing with your employer. You will be able to see the 2016 Uniform Pension Statement on Mijn Delta Lloyd no later than 1 August

You are no longer working for an employer

  • If you still have pension that you accrued with a former employer, a Uniform Pension Statement will be prepared for you once every five years. If you ended your employment in 2012 or later, the pension statement will be prepared for you for the first time in 2017.
  • If you have a Personal Pension Plan, we will draw up an annual Costs & Value Statement for you instead of a pension statement once every five years.
  • Do you have a Capital Pension Plan and will you be retiring in less than five years’ time? In that case we will also draw up an annual pension statement for you, due to the annual change in the actuarial interest. This will give you a clearer picture of the consequences of the interest rate changes for the size of your pension.
  • If you left your job on 1 January 2016, we will provide you with one more Uniform Pension Statement this year. This statement will be based on a situation in which your employment has not yet terminated.

You are retired
Are you already receiving a pension? In that case we will not be drawing up a Uniform Pension Statement for you. You will receive the Annual Report for Pensioners every year.

How do I receive a Uniform Pension Statement?

Delta Lloyd no longer sends pension statements by post. You can access and download the Uniform Pension Statement on Mijn Delta Lloyd. If you have no access to Mijn Delta Lloyd, please contact us.

I have not received a Uniform Pension Statement, although I have pension insurance with Delta Lloyd. How is that possible?

This can be for one of the following reasons:

  • Delta Lloyd no longer sends the Uniform Pension Statement by post. You will find the Uniform Pension Statement on Mijn Delta Lloyd.
  • You have left your job, or the provision of your pension scheme has been transferred to another pension fund or insurer. The pension you have accrued has remained with Delta Lloyd. You will receive a Uniform Pension Statement once every five years. If you have a Personal Pension Plan, you will receive an annual Costs & Value Statement.
  • You are already receiving a pension. In that case we do not prepare a Uniform Pension Statement, but instead you will receive the Annual Report for Pensioners.
  • Your pension insurance begins to pay out this year or ends this year.
  • You are wholly occupationally disabled and are therefore in receipt of a disability pension. In that case we do not prepare a Uniform Pension Statement for you, but instead you will receive the Annual Report for Pensioners.
  • You commenced employment after 1 January of this year. Your first Uniform Pension Statement relating to your new contract of employment will be prepared next year.
  • Your pension insurance is being transferred to a different product. In that case we will prepare a Uniform Pension Statement for you next year.
  • Your employer has gone bankrupt.
  • The implementation agreement between your employer and Delta Lloyd has been terminated.
  • Management of your pension scheme has been outsourced by a pension fund to Delta Lloyd. That pension fund has decided to send you the Uniform Pension Statement itself and has not yet done this.

Will I continue to receive an annual Uniform Pension Statement if I leave my job?

If you leave your job, we will provide you with an overview of the pension that you have accrued up to that point. We will subsequently provide you with an overview of the paid-up entitlements every five years, unless you take the pension scheme with you to your new employer ('transfer of accrued benefit'). In the latter case your pension insurance with Delta Lloyd will end and you will not receive any further Uniform Pension Statements from us.

If you have a Personal Pension Plan and leave your job, you will receive an annual Costs & Value Statement from us instead of a Uniform Pension Statement once every five years. Do you have a Capital Pension Plan and will you be retiring within five years? If so, we will continue to prepare an annual Uniform Pension Statement due to the change in the sample interest and the expected pension.

The Uniform Pension Statement shows your pension situation as at 31 December of the previous year. If you left your job between 1 January and receipt of your Uniform Pension Statement, the Uniform Pension Statement you receive will be drawn up as if you had not yet terminated your employment. The next statement that you receive after leaving your job is therefore more up-to-date.

We refresh the pension entitlements in ‘mijnpensioenoverzicht’ (my pension statement) every three months. If you would like to gain a clear picture of your pension situation, you can log in to this website with your DigiD.

I have lost the Uniform Pension Statement. Can I obtain another copy?

Yes, that is possible. Please contact our Client Service Desk. You can call us on +31 (0)20 - 594 81 00 from 8:30 to 17:30 on business days.

More questions and answers about your pension

My pension is worth so little. Can I commute my pension?

Under certain conditions you can have the value of your pension paid out in a lump sum:

  • The value of your annual pension payment as at 1 January 2016 may not be higher than €465.94 per year.
  • Your pension insurance must have been paid-up for at least two years. This means that you have not been a member of this pension scheme for at least two years.

Please note! Commuting a pension is not always an attractive proposition. The consequence of commutation is that later on you will not receive this money as a supplement to your income. You might be able to transfer the value of your pension to a new pension scheme. You will find more about transfer of accrued benefit here.

Can I transfer the value of the pension accrued with my previous employer?

Yes, that is possible, but you have to request an offer for a transfer of accrued benefit from your new employer with six months of commencing employment. In this context it is important to find out whether it is more favourable to transfer your pension. For more information, see the explanatory video about transfer of accrued benefit. If you would like personal advice, it is best to make an appointment with your financial adviser.

I have become self-employed: can I take my pension or put it into my business?

No, you cannot put your accrued pension into your business. You can only take the accrued value if your pension fulfils specific conditions. You can find these conditions in the answer to the earlier question ‘My pension is worth so little. Can I commute my pension?’.

Which events influence your pension?

Some events in your life have an influence on your pension, such as occupational disability or death. You can see the influence of such events on your Uniform Pension Statement. But marrying, living together, divorcing and changing jobs also have consequences for your pension or for the surviving dependants’ pension. You can read more about this in your introductory letter. On our website you will find more information here.

To find out where you will end up, you first determine where you are now. With Delta Lloyd’s Income Compass it takes just three steps to find out where you are now and what you can do to keep your income on course for the future.

Any questions? In that case, please contact your employer or our Client Service Desk. You can call us on +31 (0)20 - 594 81 00 from 8:30 to 17:30 on business days.

Can I change my pension scheme?

Your pension scheme is part of the conditions of employment offered by your employer. Generally speaking, you cannot change it. But sometimes you can make individual choices on some parts of the pension scheme. You will find these options in the introductory letter. For additional information about these options, please contact your employer.

My question is not on the list. What should I do now?

If you have not found an answer to your question, please feel free to contact our Client Service Desk. You can call us on +31 (0)20 - 594 81 00 from 8:30 to 17:30 on business days. Or ask your pension question through www.facebook.com/deltalloyd or www.twitter.com/deltalloyd.

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