Your Uniform Benefit Statement

An explanation of the UBS is provided in the reading guide

• UBS Reading Guide Defined Contribution
• UBS Reading Guide Defined Benefit
• UBS Reading Guide Employee Pension

Do you know whether your pension will be enough? For this you need to have an idea of what your income and expenses will be later on. If your income when you retire will not be enough, you still have time to do something about it. This is why you should check your pension on a regular basis. The PensioenCheck can help you to do this.

• Where is my UBS? toon

  You will find your UBS in your digital archive at Mijnpensioen.asr.nl. Sign in using your DigiD. If your UBS is not in your archive, please contact us.

• Where do I find my factor A? toon

  Your factor A is shown in your UBS. You only need your factor A if you have an annuity scheme and you are saving for extra pension. You use the factor A to calculate whether you can deduct part of the contribution you paid or lump-sum contributions from your taxable income in a year. You must be able to demonstrate that you are accruing less pension than the maximum permitted. This is also known as the annual margin.
  
  If you have left employment, you will have received a separate ‘End of Membership’ benefit statement. This will show the factor A for the calendar year in which you left employment. This End of Membership benefit statement is also available at Mijnpensioen.asr.nl.
  
  If you have left employment and you have accrued an annual pension of less than € 2, your pension will lapse. Further details are available at Pension and resignation or dismissal.
  
  Read more about how to complete your tax return for your pension (your factor A) (NL).

• Where do I find my fees and benefit accrual statement? toon

  Your UBS will only include a fees and benefit accrual statement if you have the possibility of investing your pension capital. This statement shows:

  • The fees we have withheld from your annual pension contribution
  • The insurance premiums we have withheld
  • The development of your invested pension capital in the past year

  An explanation of the fees and benefit accrual statement is available in the reading guide to the defined contribution scheme.

• What type of pension scheme do I have? toon

  At the head of your UBS, you will see the type of pension scheme you have: a defined benefit agreement, a capital agreement or a defined contribution agreement.

  • If you have a defined benefit agreement, the amount of pension stated in your UBS is guaranteed.
  • If you have a defined contribution agreement or a capital agreement, the amount of pension stated in your UBS is an indication of the pension you will be able to purchase on your retirement date.

  More information on the various types of pension scheme is available at What type of pension do I have? (NL).

• Why is my partner not shown in my UBS? toon

  If you have a partner and you meet the conditions for partner’s pension, first check your UBS to see whether it shows amounts for your partner and children in the event of your death.

  If your UBS states amounts for your partner and children

  Your partner and children are already insured. You do not need to inform us of the details of your partner and children. We will be notified automatically by the municipality in which you live in the event of death.

  If your UBS does not state amounts for your partner and children

  • And you are still in employment, you should contact your employer.
  • If you have left employment, your partner’s and orphan’s pension will have lapsed when you left employment. You have the option of converting part of your pension into a partner’s and orphan’s pension if you die before your retirement date. This is known as conversion. You need to arrange this within two months after you leave employment.

• I have lost my UBS, or I have not received anything. What do I do? toon

  We send you your UBS by 30 September. Either in digital form, or by post. We also place your UBS in your digital archive at Mijnpensioen.asr.nl at the same time. You can check it any time. If you have not received your UBS by October, and there is no UBS in your digital archive, please contact us. 
  
  If you want a full statement of your pension and your state pension, go to Mijnpensioenoverzicht.nl.

• Why am I getting a Benefit Statement Ex-Partner? toon

  In this case, you have been divorced in the past or your registered partnership or cohabitation has come to an end. Your ex-partner had accrued a pension with us at that time. You and your ex-partner had made an agreement regarding the division of this pension. The part you are entitled to is shown in the ‘Benefit Statement Ex-Partner’. This shows how much pension you will receive from us if your ex-partner retires or in the event of their death.

• How much pension can my pension capital buy? toon

  The UBS gives an indication of the pension you can purchase in the future. You can opt for a fixed pension or a variable pension on your retirement date. The example shown assumes you will choose a fixed pension. 
  
  Read more about fixed pension and variable pension and calculate how much pension your pension capital can buy.

• Why am I getting a UBS for a former member? toon

  There are several reasons why you are getting a UBS for a former member:

  • You have left the service of your employer and your pension has not yet come into payment.
  • You have ceased to accrue pension because your employer has moved to a different pension provider.
  • Your employer has contracted a new pension scheme with a.s.r. Your UBS for former members shows your pension in the old pension scheme with a.s.r. You receive a separate UBS for your pension in the new pension scheme.

  If you have left employment and the pension you have accrued is less than € 2, your pension has lapsed. Read more about pension and resignation, redundancy or dismissal.

• Why am I getting several UBS’s? toon

  You may receive more than one UBS for various reasons:

  • You have worked for several employers with a pension scheme with a.s.r.
  • Your employer has more than one pension scheme in which you are accruing pension. For example, you may be accruing pension in a different or supplementary pension scheme in addition to the basic pension scheme. This might be a net pension scheme, or a surviving dependants’ (Anw) pension or a WIA top-up scheme.
  • Your employer has moved to another type of pension scheme with us halfway through the year. In this case, you will receive separate UBS’s for these two pension schemes

  We do not send out all the UBS’s at the same time. You may therefore receive one or more UBS’s from us at different times. There is a good chance that you will have received them by 1 October.

• Hide UBS and transfer of accrued benefits toon

  Have you had your pension with a former employer transferred to your current pension scheme with us? This will not be shown separately in your UBS. If the transfer of accrued benefits has been effected, the transferred pension is included in your total accrued pension. Read more about transfer of accrued benefits.

Please feel free to contact us at any time. We are available by telephone on business days from 8 a.m. to 5:30 p.m. on +31 (0)30 257 44 00. Alternatively, you can complete the contact form. We are here to help.