Leaving the company This is what it means for your pension

Your employer notifies us that you are leaving. From that moment on, you will no longer accrue pension with Pensioenfonds PDN. The arrangement you make now can truly make a difference later on. This is important, because your pension is the foundation of your financial future.

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What can you do? New pension scheme Transfer your pension No new pension scheme Unemployment benefits Partner’s and orphan’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 your pension with us or transfer it through a value transfer. What is best depends on your situation.

What should you consider when deciding whether to transfer your pension?

👉 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 factors:

Is the pension at your new employer better?
Do you prefer to keep your pension in one place for a clearer overview?
Is the transition bonus at your new employer higher than ours?

*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 €632.63 gross per year)? You do not need to do anything, it will be transferred automatically.

Large pension

Is your pension higher? 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

You become self-employed, start your own business, or your new employer does not (yet) offer a pension scheme.

Then your pension will remain with us. Pensions will change in line with the investment results. Check My PDN Pension to see what your expected pension will look like.

👉 If you earn enough, you can arrange your own additional pension. This is important for your financial future. A pension advisor can help you calculate how much you need to set aside.

The partner’s pension and orphan’s pension remain insured for 6 months after you leave employment. After that, you can choose to make your own arrangements for your partner and/or children. Or you continue the 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 above what to consider in that case.

Continue your partner’s pension and orphan’s pension with us

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

Advantages

We do not require medical examinations.
With us, insurance costs are not driven by commercial considerations.

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.
We will pay the contributions for the partner’s pension and orphan’s pension from your pension pot. This will reduce your own pension.

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