What will you receive in our pension scheme?

As long as you work for your employer and consequently participate in the Stichting Pensioenfonds Pensura pension fund, a partner's pension will be covered for your partner and an orphan's pension for your children. The partner's pension is paid out if you die and if your partner is still alive. Orphans’ pension is paid if you die and until each child turns 18. You can read more about this in the pension regulations for the Stichting Pensioenfonds Pensura pension fund. You can also find the pension regulations on this website. The amount of the pension for your partner and your children upon your death is shown on your UPO (Universal Pension Overview) on www.mijnpensioenoverzicht.nl.

Please note: there is no partner's pension for your partner and no orphan's pension for you children if your death occurs when you are no longer employed by this employer.
If you are no longer employed by this employer and you die before the pension commencement date, the pension capital from the investment pension module will be used to arrange a partner's and/or orphan's pension with an insurer with immediate effect.

If you also want your partner to receive pension if you die after retirement, this can be arranged. You use a portion of your pension capital to purchase a partner’s pension. As long as your partner is alive, he/she will receive this pension after you die. An indication can be found on Mijn Pensioencijfers. If you opt for this, you will receive a lower retirement pension. After all, you will have less pension capital left for a retirement pension. You make this choice when you retire.

Sometimes surviving dependants receive a surviving dependant's benefit from the government on the basis of the Surviving Dependants Act. The surviving dependant must satisfy the applicable conditions. You can find more information about this surviving dependants benefit on www.svb.nl. 

More information

The regulations set out precisely what you will receive in our pension scheme. The regulations can be downloaded here (in Dutch).