What has been arranged for you?
The Personal Pension Plan always includes certain arrangements on your behalf. It is up to your employer whether any additional arrangements apply to you. Your pension introductory letter will tell you which arrangements apply to you. We sent you the pension introductory letter when you joined the pension scheme.
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Old-age pension for yourself
Old-age pension is the pension you receive from your retirement date for the rest of your life. Your Uniform Pension Statement (UPS) and the pension planner in Pension Services Online tells you how much pension you will receive through Delta Lloyd.
Partner’s pension, if applicable
Under certain conditions a pension has been arranged for your partner in addition to the old-age pension for yourself. The partner’s pension will be paid out to your partner if you die. Your partner will receive this benefit from your date of death for the rest of his or her life. The amount of partner’s pension is shown on your Uniform Pension Statement (UPS). During your employment you are insured for a partner's pension. In the unlikely case you die during your employment, your partner will be entitled to this lifetime benefit. But what happens if you die after you leave employment or retire? The insurance then expires, because no more contributions are made.
Orphan’s pension will be paid out to your children if you die. An orphan’s pension stops when the child reaches age 18. Different rules apply if your child has a disability or is still in education. You will find more information in your pension introductory letter.
Waiver of contribution in the event of occupational disability
Becoming ill for a long period of time may prevents you from working full-time or even at all. If this is the case, Delta Lloyd will take over the contributions from your employer, under certain conditions. In this way you will still participate in the Personal Pension Plan, even if you are (partly) disabled.
Your employer may have chosen to arrange a disability pension for you. In addition to the benefit from the UVW, you may then also receive a benefit from Delta Lloyd. We call this the disability pension. Your pension introductory letter indicates whether your employer has arranged a disability pension for you. Or if you yourself can choose whether you want to insure a disability pension.
Surviving Dependants Act shortfall pension
State-provided surviving dependants pension
The Dutch state provides a pension under the Surviving Dependants Act. This is usually referred to as the Anw, and it is one of the basic pension benefits in the Netherlands. If you die your partner, if you have one, might be eligible for a pension under the state scheme. A state Anw pension will be paid until your partner reaches state old-age pension age.
However, it is quite likely that your partner will not qualify for a state Anw pension because of the very strict governmentrules, which exclude many people.
Surviving dependants pension through your employer
Your employer may have chosen to arrange a Surviving Dependants Act shortfall insurance for your partner. This insurance provides benefit that is separate from the state Anw pension. If you have this insurance through your employer your partner will always be eligible for benefit. If your employer has arranged for a Surviving Dependants Act shortfall pension, it will compensate for any loss of state Anw pension.
If you have Surviving Dependants Act shortfall insurance, your partner will receive a fixed amount if you die while you are in your current job. Your partner will always receive the Surviving Dependants Act shortfall pension, whatever your salary or the amount of partner’s pension. The Surviving Dependants Act shortfall pension will stop when your partner reaches the state old-age pension age, or in the month of your partner’s 67th birthday, if this is earlier.
Your pension introductory letter will tell you whether your employer has arranged a Surviving Dependants Act shortfall pension for you. Otherwise, you have the option to take out Surviving Dependants Act shortfall insurance yourself.
If your employer has arranged a Surviving Dependants Act shortfall pension for you, it will be included in your scheme automatically, without you having to contact us.
N.B. if you have the option to take out Surviving Dependants Act shortfall insurance yourself, you will not be insured automatically. You must tell your employer that you want to take out this insurance. You are responsible for paying the premium for Surviving Dependants Act shortfall insurance that you arrange yourself.