You are retired and you are getting divorced or are separating. Is there anything that you will need to arrange in relation to your pension benefit?
You were married or in a registered partnership
Divorce or separation can affect your pension.
- Were you already married or in a registered partnership before you retired?
In this situation, your partner will be entitled to half of the retirement pension you accrued during the marriage or partnership. This is called the equalisation of pension. If you would like to equalise your pension, contact the pension fund within 2 years of the date on which you divorced contact. Use the following government form for this purpose: 'Mededelingsformulier in verband met verdeling van ouderdomspensioen bij scheiding'. (This is a notification form that specifies how retirement pension is to be divided following a divorce). If we do not hear from you or your former partner within 2 years, we will not be able to pay a pension directly to your former partner, even if the 2 of you had made agreements on the division of your retirement pension. In this situation, you will have to arrange the division of your pension between the 2 of you.
You and your former partner are also free to decide on alternative agreements. Inform us of these agreements in good time, using the government form 'Mededelingsformulier in verband met verdeling van ouderdomspensioen bij scheiding'. Read more about Divorce.
- Were you single - so not married or in a registered partnership – before you retired?
A divorce or separation will not affect your pension benefit in this situation.
Special partner’s pension
If your relationship ends, your former partner will also be entitled to the partner’s pension accrued. This is called the special partner’s pension. Your former partner may waive his/her entitlement to a partner’s pension. Document the agreements made between you and your former partner, sign the document in question and then send us a scan of it.
Send us a scan
You were cohabiting
Your pension benefit will not be affected.
- Were you already cohabiting before you retired? Had you also registered your partner with us and submitted a cohabitation agreement?
If you die, your former partner will be entitled to a special partner’s pension, subject to certain conditions. You and your former partner are also free to decide on alternative agreements. Deregister your partner with APF Pension Fund at My pension.
- Were you not cohabiting before your retirement date?
If you started to cohabit after your retirement date and are now separating, your partner will not be entitled to a (special) partner’s pension if you die.
If both you and your partner are receiving a state pension, the amount of this benefit may change. Read more about the state pension ('AOW') on the website of the Social Insurance Bank: SVB.nl.