Virtually all employees in the Netherlands build up a pension through their employer.
There are significant financial questions, such as the monthly payment of the pension premium and the question how large a pension this will provide at the age of retirement. It is important for you as an employee to be clear about your pension scheme. The pension experts at GMW lawyers can assist you with this.
Most employees do not have a choice about participating in a pension. Neither does the employer. About 75% of employees are obliged to participate in the pension scheme which applies to their entire sector. Nevertheless, as an employee you must make sure that the employer registers you as a participant in the pension scheme, that you’re building up the correct pension, and that the pension premium is actually paid to the pension fund.
A smaller proportion of employees build up a pension with a pension insurer through the employer. In that case participation is also often compulsory, but sometimes it is possible to indicate by means of a waiver that they do not want to build up a pension. In this case, no premium has to be paid. Even with an assured pension scheme, an employee must be vigilant about the correct premium payments and about proposals by the employer to change the conditions. It is not possible to simply change a pension scheme, and certainly not without the employee’s agreement.
GMW lawyers advises and institutes proceedings for individual employees, but also for groups of employees, because a pension is collective product. Any change in a pension scheme has consequences for a group or for all the employees in a business or sector.
GMW lawyers will be happy to help you with all your pension-related legal issues. If you have any questions, please contact us directly using the enquiry form below or +31 (0)70 3615048. Our pension lawyers will be happy to support and advise you.
GMW lawyers will be happy to help you with all your pension law issues. Please feel free to contact us if you have any legal questions.
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13 January 2025
Disappointing Responses on Mandatory Pension Fund Participation
Former Minister for Poverty Policy, Participation, and Pensions, Carola Schouten, recently responded to questions from VVD Member of Parliament Aartsen regarding the frustration among entrepreneurs about lawsuits over mandatory pension schemes.
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22 July 2024
Getting started with the future of pensions act as works council
In this article, we provide some practical tips for the Works Council to have control over the complex pension dossier for the company and employees.
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7 May 2024
Attention: another new development in employment law legal protection
Many labour law rules come from Europe. Therefore, for their application and enforceability, employers and employees should also look to 'Europe'.
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26 March 2024
Loss of pension
It is common for an employer and employee to terminate an employment contract by entering into a settlement agreement.
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7 February 2024
Pension accrual of ‘bogus self-employed persons’ and ‘platform workers’
Last year, the Swedish EU presidency published a draft proposal for a European directive to protect platform workers and combat bogus self-employment.
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4 February 2024
Data breaches at pension funds: mismanagement?
Last year there was another incident: the e-mail addresses of hundreds of ABP participants were made publicly available. ABP is the largest mandatory pension fund in the Netherlands, administering the pensions of civil servants, with estimated assets of 500 billion euros.
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27 January 2024
Supreme Court on amending a pension supplement scheme
On 21 April 2023, the Supreme Court delivered an important ruling on amending a provision in a pension scheme about the granting of supplements (price indexation).
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17 November 2023
Bring your pensions abroad! New EU Court cases!
Many employees who want to move to another EU member State want to bring their pensions with them. Even a lump sum should be possible.
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16 October 2023
Personal notice to each policyholder?
The Court of Rotterdam delivered a judgment with potentially very far-reaching implications for the value transfer of participants' pensions.
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