What is not covered by our pension scheme?
You do not accrue pension above a stipulated salary
If your gross annual salary exceeds € 137.800.- annually (2024), you do not accrue any pension on any salary in excess of that amount. The tax rules do not allow for this. As a result, the difference between your current and future income will become bigger.
Please note that your final pension will be significantly lower than your current salary. Go to My pension and log in with your DigiD. If necessary, you can arrange additional pension yourself. There are various ways to do so. For example, via a financial product, such as saving in a blocked account (banksparen) or via an annuity insurance (lijfrenteverzekering). The pension fund cannot, and is not allowed to, help you when taking out these products. You will have to engage a financial adviser.
You do not receive a disability pension if incapacitated for work
If you are partially incapacitated for work, or if your income is below € 71.628 annually (2024), this is the WIA income limit, no disability pension has been arranged for you at APF Pension Fund.
However, you may qualify for a UWV benefit. You may also be entitled to a supplement to your income through your employer.