Pension scheme

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.

Compulsory pension scheme

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.

Change in the pension

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.

Your financial interest

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.

More information

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.

Lawyers

Amber Willemsen

Prof. Hans van Meerten

Koen Vermeulen

Roos van Zaltbommel

All lawyers

Looking for a pension law lawyer in The Hague?

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.

"*" indicates required fields

7 June 2023

The new pension agreement: still not a done deal

There is a long history of plans for a new pension system. We can even go back to the 1990s when it was said at a pension meeting that ‘friend and foe’ agree that the system needs reform.

25 January 2023

What is the Early Retirement Scheme (RVU)?

The retirement age is getting higher and higher, forcing people to work longer and longer.

15 September 2022

Black Swans: Pension sector, say you’re sorry

The TV documentary series “Zwarte Zwanen (Black Swans)” broadcast two episodes about the world of pensions this summer.

10 August 2022

Continue working after retirement and payment of maintenance?

As a divorce lawyer, I frequently get asked whether partner maintenance needs to be paid even after retirement.

23 May 2022

Pan European Pension Product (PEPP)

In March 2022, a new European pension solution will come into effect: the Pan European Pension Product, abbreviated as PEPP.

29 July 2020

Pension litigation

Last week, Stichting PensioenBehoud and seniors association KBO-Brabant published a news item on their ongoing lawsuit against the Dutch State about retaining pensions.

19 May 2020

Dormant employment and retirement

Employers do not always dismiss employees who have been ill for more than two years, for example because they expect the person will recover or be able to perform suitable work within a short time.

21 April 2020

Corona crisis and pension schemes: what are your options as an employer?

Pension is an expensive employment condition for entrepreneurs.

23 September 2019

Pension law is not for bakers, but it applies to them

Most employees have no choice when they retire: their pension is accrued with the industry-wide pension fund to which their employer is obliged to pay a pension premium.