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Voluntary continuation of your pension

On this page you can read exactly what voluntary continuation entails. You can also read what it costs, what the conditions are and how you arrange it.

What is voluntary continuation?

Has your pension accrual with Pensioenfonds PGB stopped? Or are you temporarily unemployed? If so, you may opt to continue accruing your pension with us. We refer to this as voluntary continuation.  You can accrue a voluntary pension until we switch to the new pension (expected 1 January 2027). 

You can only continue your pension voluntarily if your new employer does not have a pension scheme or if you are (temporarily) out of a job.

  • Wat does voluntary continuation cost?

    Voluntary continuation is more expensive than accruing pension via your employer. This is because you are paying the entire contribution yourself: that is the part you paid and the part that your former employer paid. How much you actually pay depends on your pension scheme. 

    To calculate the contribution, we use the salary you received when you stopped working for your previous employer. We also look at the number of hours you worked then. You'll find the approximate total annual contribution on your most recent Uniform Pension Statement (UPO) under ‘Contribution paid by your employer’. The annual pension you will receive in return for this annual premium can be found on your UPO under ‘factor A’. You'll find your UPO in your Postbox and documents at MijnPGBPensioen.

  • How much pension can I continue accruing?

    The maximum amount you can accrue is equal to the amount you accrued in your previous job. We proceed on the basis of your last-earned salary and the number of hours you worked. You will also be insured for your partner’s and orphan’s pension should you die.   

  • What are the conditions for voluntary continuation?

    The conditions for voluntary continuation are:

    • You cannot voluntarily continue your pension if your state pension benefit starts within three years. Unless you:
        • receive a wage-related benefit, for instance, unemployment benefits or benefits under the Work and Income (Capacity for Work) Act;
        • earn income from work, but do not accrue a pension;
        • show that you are unable to work for medical reasons.

    • You do not accrue a pension anywhere else.

    • You can voluntarily continue your pension for a maximum of three years, unless you receive a wage-related benefit under a severance arrangement with your employer or in connection with occupational disability. In that case, it may be more than three years. You can continue your pension until we switch to the new pension (expected date: 1 January 2027).

    • The voluntary continuation starts on the date you left your previous employer.

    • The request for voluntary continuation must be submitted to Pensioenfonds PGB within nine months of leaving your previous employer.

    If your situation changes in such a way that it affects the above conditions, you must notify us of the change.

How do I stop my voluntary continuation?

If you have been accruing pension on a voluntary basis for less than 3 years, you should terminate the voluntary continuation in writing, observing a notice period of 2 months. You should do so if you have a new job where you are accruing pension again, for example.

How do I arrange voluntary continuation?

You arrange it via mijnpgbpensioen.nl. However, you must make the arrangements within 9 months of leaving your job.

You can send an email to: ks@pensioenfondspgb.nl or send us a letter.