Extra partner’s pension for your employees

In all our pension schemes, the standard partner’s pension is insured on a risk basis for 70%. Your employees are insured for this if they die, as long as they are still employed by you at that time. Any surviving partner will then receive 70% of the retirement pension that the employee could have accrued up to the retirement age for the state pension (AOW). But as soon as an employee leaves your company or retires, this insurance lapses. If your employee dies after leaving your company, and the partner’s pension was only insured on a risk basis, there will be no benefits for the partner. You can therefore also arrange for accrual of the partner’s pension.

You can arrange partner’s pension if your employee has an average salary pension scheme, on condition that the partner’s pension to be accrued is no more than 70% of the retirement pension, and that you contract this as group insurance for all your employees.

You have 2 options for the accrual of partner’s pension

Depending on your pension scheme, you have one of 2 options:

1. Your employees can accrue 35% partner’s pension. The remaining 35% remains insured on a risk basis.
2. Your employees can accrue 70% partner’s pension.

Depending on the percentage that you choose, we will set aside 35% or 70% of the accrued retirement pension each year. In contrast to the risk insurance, this money will also remain available when an employee leaves the company or retires. The employee can exchange this for a higher retirement pension on their retirement date themselves.