Pension and resignation, redundancy or dismissal

Your pension accrual will stop if you leave your current employer, are made redundant, or are dismissed. We would like to inform you about how employment termination affects your pension.

You will retain your accrued pension in the event of employment termination. If you are planning on joining your new employer’s pension scheme, you will be able to transfer your accrued pension benefits to the new scheme. This is called a transfer of accrued benefits. You can find out more about how this process works by consulting your new employer’s pension provider.

Automatic transfer of accrued benefits for small pensions hide toon

Your pension provider may automatically transfer your small pension to the new pension scheme if the accrued pension amounts to less than € 592.51 gross on an annual basis. This will require no further action on your part and is referred to as an automatic transfer of accrued benefits. You cannot lodge an objection to an automatic transfer of accrued benefits.

Are you eligible for an automatic transfer of accrued benefits?
Small pensions are not always subject to an automatic transfer of accrued benefits – this depends on your pension scheme. You can check whether your pension scheme provides for an automatic transfer of accrued benefits by consulting your Pension 1-2-3 (in Dutch). This information will soon be included on your Uniform Benefit Statement (in Dutch) as well. If your pension scheme does not provide for an automatic transfer of accrued benefits, your small pension will remain with us unless you apply for a transfer of accrued benefits via your new pension provider.

If you have accrued a small pension with a.s.r. and do not have a new employer, you will not be able to commute this pension until your retirement date.
Very small pensions will be cancelled hide toon

Your pension will be cancelled if your employment ends and you have a very small pension that does not amount to more than € 2 gross* on an annual basis. This has been stipulated by law since 1 January 2019 and means you and your surviving dependants will not be entitled to this pension in the future. Instead, the total value of this very small pension will be donated to a charity or good cause (in Dutch).

We recommend checking your benefit statement (In Dutch), if you have pension capital, to see whether this capital has been categorized as a very small pension or not.

Terminating your employment will have certain implications for your partner’s pension. Partner’s pension is what your partner and children will receive in the event of your death. Your particular pension scheme determines whether you are covered for a risk-based partner’s pension or an accrual-based partner’s pension.

Accrual-based partner’s pension toon

If you have an accrual-based partner’s pension, you will retain the partner’s pension that has been accrued so far. This will amount to less than if you had continued to remain in employment. To gain an understanding of the level of this pension, please visit mijnpensioenoverzicht.nl (in Dutch) or consult your Uniform Benefit Statement (UBS).
Risk-based partner’s pension toon

If the partner’s pension is covered on a risk basis, the cover will be cancelled as soon as your employment ends. If you were to die after your employment ended but before the retirement date, your partner will not be entitled to a partner's pension. This situation can be avoided by converting a portion of your pension into a partner’s pension.

Unemployment benefit
If you are entitled to an unemployment benefit (WW) once your employment ends, your partner will receive a partner’s pension if you were to die during this period of unemployment. The level of the partner’s pension will be contingent on the number of years you were a member of this scheme. Please note that this only applies if your partner’s pension was covered on a risk basis. If you made arrangements for a partner’s pension by converting a portion of your own pension, this will be taken into account.
Surviving dependants’ benefit insurance toon

If you have provided for surviving dependants' benefit cover for your partner, this will be cancelled as soon as your employment ends. This means your partner will not receive a supplementary partner's pension in the event of your death.

If you are about to start working for a new employer, their pension scheme might have a provision for a partner's pension as well. If a partner’s pension is no longer included in your previous employer’s pension scheme, you will start accruing a partner’s pension from scratch through your new employer. However, it is questionable as to whether this will earn enough income for your partner if you were to die. Perhaps your new employer does offer cover for a supplementary partner’s pension. You can also opt to take out a supplementary term life insurance (in Dutch) policy.

Your cover for a waiver of contributions stops if your employment ends. Please let us know if you become incapacitated for work within a period of two years, as we can then check whether you are eligible for a waiver of contributions during this period of disability. If you are eligible for a waiver of contributions, we will shoulder the payment of your pension contributions so that you continue to accrue pension while you are incapacitated for work. This applies to the partner’s pension as well.

Please consult the pension scheme rules to find out more about your pension and disability. You will find this information in layer 3 of Pension 1-2-3 (in Dutch).

Your pension will be paid out to you if retirement is the reason your employment is ending. Please click on one of the links below to find out more about the retirement process:

Average-pay scheme or final-pay scheme
Defined contribution scheme (in Dutch)

Your Uniform Benefit Statement (UBS) will specify what type of pension scheme you have joined.

You can contact us any time. We are available on +31 (0)30 257 42 66 on business days from 8.30 a.m. to 5:30 p.m. Alternatively, you can complete the contact form. We are here to help.

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