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Employer's Pension Scheme Den Haag

Employer's Pension Scheme for Den Haag: accrual via ABP/Municipality, rights, Wtp changes and local advice at Juridisch Loket. (112 characters)

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Employer's Pension Scheme Den Haag

The employer's pension scheme forms the second pillar of the Dutch pension system and provides Den Haag employees with a valuable supplement to the AOW through their employer. In Den Haag, home to numerous government institutions and the Municipality of Den Haag, millions of Dutch people – including many civil servants – build up pension entitlements with funds such as ABP, pension insurers or PPIs. This scheme is often mandatory under the collective labour agreement (CLA) and ensures a reliable income after retirement.

What does an employer's pension scheme entail for Den Haag?

An employer's pension scheme is a joint arrangement where the employer and employee save together for old age. The employer often contributes part of the premium, while the employee pays via payroll deduction. It covers old-age pension, survivors' pension and sometimes disability pension. Unlike the flat-rate AOW, this is salary-dependent and linked to your years of service with Den Haag employers such as ministries or the municipality.

In Den Haag, participation is often mandatory under CLAs in sectors like government and healthcare. Over 90% of employees benefit from it, for example via ABP for municipal civil servants or PFZW in the healthcare sector.

Legal framework for employer's pensions in Den Haag

The scheme falls under the Pension Act 2007 (arts. 1-142), with the definition in art. 1(1) as 'provision of pension capital for employees'. Key articles include:

  • Art. 11 Pw: Registration with DNB for administrators.
  • Art. 28 Pw: Mandatory participation if required by CLA.
  • Art. 62 Pw: Transparency on premiums and accrual.

Since 1 January 2023, the Future Pensions Act (Wtp) modernises the system with pension contracts, more individual rights and mandatory indexation. The transition period runs until 2028. For more information: see our article on The Dutch Pension System.

Forms of employer's pension schemes in Den Haag

Three primary types:

  • Pension fund: Sector fund such as ABP for Den Haag government employees; risks shared collectively.
  • Insured scheme: Via insurers, ideal for smaller Den Haag businesses.
  • PPI: Flexible option for companies without their own fund.

Rights and obligations in Den Haag

Rights as a Den Haag employee

  1. Annual UPS with forecast (art. 66 Pw).
  2. Value transfer on job change (art. 67 Pw).
  3. Indexation if the fund is financially sound (Wtp requirement).

Obligations of the employer

  • Pay premiums and register new Den Haag employees (within 13 months).
  • Provide data to the administrator.

Obligations of the employee

Pay contributions and report changes, such as address changes in Den Haag.

Practical cases from Den Haag

Example 1: Jan, 30 years with the Municipality of Den Haag via ABP, receives 70% of his average salary as €1,500 monthly alongside AOW upon retirement.

Example 2: In case of employer insolvency (art. 81 Pw), the fund takes over; the premium guarantee fund maintains accrual.

Example 3: Mieke switches from a ministry to a private company; her €50,000 pension pot transfers smoothly via value transfer.

Overview of pension pillars

PillarSourceFundingAccrualMandatory?
1: AOWGovernmentPayroll taxFlat-rateYes
2: Employer's PensionEmployer/employeePremiumSalary-proportionalOften CLA
3: Private savingsIndividualSavings premiumFlexibleNo

Frequently asked questions for Den Haag

Do I have to participate?

Yes if required by CLA (art. 28 Pw); opt-out possible for high premiums (>20% of salary, art. 29 Pw). Seek advice from Juridisch Loket Den Haag.

What happens on job change in Den Haag?

Pension continues to grow; value transfer automatic since 2015. Consult UPS and Den Haag District Court in case of dispute.

Always indexation?

No, fund-dependent; Wtp encourages it.

Employer bankrupt?

Fund guarantees up to €500/week via guarantee fund.

Tips for Den Haag employees

  • Check UPS on mijnpensioenoverzicht.nl and compare with your needs.
  • Add annuity insurance if accrual is low.
  • On divorce: divide partner pension (art. 73 Pw) via settlement at Den Haag District Court.
  • CLA violation? Report to union, DNB or Juridisch Loket Den Haag.
  • Personal advice: contact Arslan Advocaten or Juridisch Loket Den Haag.

The employer's pension scheme is crucial for Den Haag pensions. Wtp brings higher returns and customisation. Stay informed about your rights. See also: AOW, Survivors' Pension.

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