New pension rules have been drawn up. But not everything changes. The strengths of the current pension system will remain unchanged. But some things are changing. Find out here what stays the same and what changes.
The new rules also cause a number of things to change. For example, everyone will soon be covered by a contribution scheme, the pension will adapt more to the economy and the rules for the survivor’s pension are also changing.
Everyone will soon have a contribution scheme. Some employers at Pensioenfonds PGB already have a contribution scheme for their employees. Employees who currently have an average salary scheme will also receive a contribution scheme when the new rules come into effect.
With the contribution scheme, your employee can see exactly how much money you contribute together and how the pension is growing. If your employee retires later, the pension pot contains an amount for their pension. From this amount, a lifelong pension is then paid to your employee.
At Pensioenfonds PGB, we will soon have a solidary contribution scheme or a flexible contribution scheme. Which scheme your employees (can) receive depends on your affiliation, among other things.
In the new pension, the pensions will increase or decrease every year. Pensions will move in line with the economy. This means we can increase pensions more quickly when the economy is doing well. If the economy is not doing so well, we can also reduce pensions more quickly. The new rules ensure that these fluctuations become less when someone approaches retiring age.
The survivor’s pension rules will soon be the same for everyone. This makes it clearer what you as a survivor can count on.
If your employee dies while he or she is employed, the survivor’s pension will be a percentage of the last salary. The agreements about this percentage are made by the sector or by you as an employer if you are voluntarily affiliated with us.
What you have to do and what choices you can make depends on your affiliation with Pension Fund PGB.
