When do you need to take action?
If you change jobs
Value transfer has to be arranged through your new pension fund. You will have to file a request for value transfer with that fund. Subsequently, you will receive a proposal, which sets out how much pension you will receive under the new pension scheme. The value transfer will only be initiated if you agree to the proposal.
If you become incapacitated for work
APF Pension Fund will inform you of the consequences of disability. You do not need to notify us, for we will be notified by UWV. On the UWV website you can read more on the benefit that you will receive from UWV: UWV.nl.
If you are planning to cohabit, or if you are getting married or become registered partners
If you get married, enter into a registered (civil) partnership or start living together, a partner's pension has been arranged for your partner for when you die. In the event of a marriage of a registered partnership, partner's pension has been arranged automatically. You will not need to take any action yourself.
Please note: if you are living together but are not married, your partner will not automatically be entitled to partner's pension when you die. In order to have your partner qualify, you will need a notarial cohabitation contract. You are to forward a copy of that contract to us. Register your partner in My pension. Log in with your DigiD.
If you divorce, no longer cohabit, or if your registered partnership stops
Legislation provides that your ex-partner will receive 50% of your retirement pension accrued during your marriage or registered partnership. You may agree on another division together. If you wish the pension fund to arrange the division, you are to notify the pension fund of your divorce within 2 years. In that case, we will arrange the division, as agreed with your ex-partner.
The partner's pension that you have accrued until the end of your relationship is for your ex-partner. We call this ‘special partner’s pension’. This also applies if you cohabit officially. That is why it is important that you deregister your partner if you terminate the cohabitation contract. Do this in My pension. Log in with your DigiD.
If you move to another country
If you move abroad, you will no longer be registered in the Municipal Database. The pension fund receives information on your civil status and your address via this database. As you live abroad, you must notify us of those matters yourself.
You will not build up any state pension if you live abroad. For the consequences thereof, view the website of Sociale Verzekeringsbank: SVB.nl.
Finally, be aware that different tax rules may apply abroad. This may affect your pension.
If you become unemployed
If you become unemployed, your pension accrual will also end. The pension that you have accrued will remain yours.
Your employer will deregister you from APF Pension Fund
You don't need to inform us.
We will inform you of the value of the pension that you have accrued with us
Every year, a new pension overview will be made available in My pension. Every 5 years, you will also receive a pension statement from us.
If you start working more or fewer hours
If you start working more or fewer hours, you will also build up more or less pension. You do not need to notify the pension fund, for we will receive this information from your employer.
The amount of pension that you build up is calculated on the basis of your full-time salary. If you do not work full-time, your annual pension accrual will be multiplied by your part-time percentage. As a result, you will, relatively speaking, build up less pension.
If you take unpaid leave
If you take unpaid leave, you will no longer build up pension. After all, you do not receive any salary either. You will, however, remain insured for surviving dependants’ pension for a period of 18 months. This means that your leave will not affect the amount of your surviving dependants' pension.
You do not need to notify APF Pension Fund of your leave, for we will receive this information from your employer.
Check mijnpensioenoverzicht.nl at least once a year
Check how much pension you have once a year:
- View My pension for the pension amount you have accrued with us
- View mijnpensioenoverzicht.nl for your state retirement pension amount and the total pension accrued by you. You will see the gross and net amounts applicable.
If you want to make your own decision in respect of your pension
You will need to make a number of choices when your pension commences. View What are your options?
Further questions
If you have any questions about the pension scheme, please contact us.