Your Uniform Benefit Statement

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.

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).

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

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.

• 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.

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.

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.

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.

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.