Leaving the company

How will that affect your pension?

Your employer notifies us that you are leaving. This means your pension accrual stops. Depending on your situation, it may be smart to take action or, on the contrary, do nothing. Because your pension is something for the future, but the arrangements you make now will really make a difference later on. Your pension is more than just a pot of money, it is the foundation for how you can build your future.

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What can you do? New pension scheme Take your pension with you No new pension scheme Unemployment benefits Continuing the partner’s pension Pension checklist

What can you do right away?

Ask your new employer whether there is a pension scheme.
Log in to My PDN Pension to see how much pension you have accrued with us.

mijn.pdnpensioen.nl

Do you use your work email address to log into My PDN Pension?

Then change this to your private email under ‘My Details’. This will allow us to reach you, even after you leave your job.

1. New pension scheme

If your annual pension is €2.00 or lower, your pension lapses.
If it is €632.63 or lower, your pension is transferred automatically to your new employer’s pension scheme.
If your pension is higher than €632.63, you can choose: leave it with us or transfer it. What is best depends on your situation.

What should you consider?

👉 A pension advisor can help you make a well-informed decision.

We cannot determine whether transferring your pension is the best choice for you. But we can help you weigh the options. For instance:

Is your new pension better? +

If your new pension scheme is better, transferring your pension may be beneficial.

Would you like to have everything arranged in one place? +

A single pension pot can be convenient – in that case, transfer your pension.

What about the transition bonus?* +

This increases your pension. If the transition bonus at your new employer is higher, transferring may be the wiser choice.

*The transition bonus will become available after 1 January 2027

What if you want to take your pension with you?

Small pension

Do you have a small pension (less than €613.25 gross per year)? You do not need to do anything, it will be transferred automatically.

Large pension

Does your accrued pension exceed €613.52 gross per year? If you would prefer to transfer your pension, request this from your new pension fund.

*Until 1 January 2027, your pension may not be transferable yet. This happens when your previous pension fund has already transitioned to the new pension system. In that case, you cannot transfer it until we have also transitioned to the new pension system.

More about value transfer

2. No new pension scheme

Are you becoming self-employed or does your new job not (yet) include a pension scheme?

Then your pension will simply remain with us. Pensions will change in line with the investment results. Check My PDN Pension to see what that looks like. If you earn enough, you can arrange your own pension accrual. This is important when building your future later on.

The partner’s pension and orphan’s pension remain insured for 6 months after you leave employment. After that, you can choose: arrange your own partner’s pension and orphan’s pension or continue them with us. In that case, the contributions will be deducted from your pension pot. This will reduce your own pension.

Continuing the partner’s pension and orphan’s pension

3. I will receive unemployment benefits

Your pension will simply remain with us. Your pension will change in line with the investment results. Check My PDN Pension to see what that looks like.

If you find a new job in the future, you can transfer the pension you have with us. Check above what to consider in that case.

The partner’s pension and orphan’s pension remain insured for 2 years after you leave employment, unless your unemployment benefits end earlier. After that, you can choose: arrange your own partner’s pension and orphan’s pension or continue them with us. In that case, the contributions will be deducted from your pension pot. This will reduce your own pension.

Continuing the partner’s pension and orphan’s pension

If, in your new situation, you do not have surviving dependent's pension cover or insurance, you can choose to continue your partner’s pension and orphan’s pension with us. The contributions will then be paid from your pension pot, which means your own pension will be lower. Check the advantages and disadvantages below to see what you need to bear in mind.

Advantages

We do not require medical examinations.
With us, the insurance costs are not commercial.

Disadvantages

The partner’s pension and orphan’s pension have no fixed benefit, they will change in line with the economy. This can work in your favour or against you.
With an insurer, a medical examination may be required above certain insured amounts.

Pension checklist when leaving employment

Step 1: Check your pension

Log in to My PDN Pension
Change your work email address to your private email address
Check how much pension you have accrued
Check whether your pension:
- is €2.00 or less → automatically lapses
- is €632.63 or less → is automatically transferred to your new pension scheme
- is higher than €632.63 → you must choose: transfer or leave it

Step 2: Are you changing companies?

Ask whether your new employer offers a pension scheme
Compare the new scheme with PDN’s scheme
Decide whether transferring it is smart:
- Is the new pension better?
- Would you like to have everything arranged in one place?
- Is the transition bonus higher at your new pension?

Step 3: Are you unsure?

Contact a pension advisor
Have them help you to make the right choice

Step 4: Would you prefer to transfer your pension?

Small pension (<€632.63) → is transferred automatically

Larger pension → request value transfer from your new pension fund

Step 5: Are you becoming self-employed or does your new job not (yet) include a pension scheme?

Your pension remains at PDN and grows with the investment results
If you earn enough, you can arrange your own pension for later
Partner’s and orphan’s pension remain insured for 6 months
After 6 months, choose whether to continue them (contributions are deducted from your pension pot)

Step 6: Be aware of the timing

Until 1 January 2027, value transfer may not yet be possible
Check whether your new employer has already switched to the new pension system