You are separating.
Separating is tough. Alongside all the emotions, there are a lot of arrangements to make. The pension of your former partner can also affect your financial future. It is important to make clear agreements now so you don’t face surprises later.
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You are separating.
What will happen to the pension pots if you separate?
What will happen to the pension pots if you separate?
Not dividing the pension:
You can agree not to divide the pension pot. You do not need to claim a share of your former partner’s old-age pension.
👉 However, do make sure this is clearly recorded in the divorce agreement or the prenuptial/partnership agreement.
Not dividing the pension:
Dividing the pension:
If you agreed to divide your pension pot: You will receive a share of your former partner’s old-age pension once their pension starts.
➡️ Complete the form ‘Notification form on the division of retirement pension on separation or divorce’ together and send it to us.
Did you get divorced more than two years ago? You must also sign this form.
Dividing the pension:
When dividing the pension, you can opt for:
- 50/50 division over the marriage period; or
- 50/50 division over another period, for example including the years you lived together; or
- another division, for example 30% for you.
When dividing the pension, you can opt for:
Tip: If you are unsure which arrangements work best for you both, always ask a pension advisor for guidance.
Tip: If you are unsure which arrangements work best for you both, always ask a pension advisor for guidance.
Conversion
With conversion, you will receive your own pension entitlement, separate from that of your ex-partner’s pension. You decide when your pension starts.
⚖️ Note: A new law will make Conversion the default. It is not yet known when it will take effect.
What if you don’t make any arrangements?
Then you automatically have the right to 50% of the old-age pension your ex accrued during your marriage or registered partnership. You ex will receive the full pension payment and is responsible for transferring your share to you.
What if you don’t make any arrangements?
Exceptions:
You are not entitled to a share of your ex-partner’s pension if:
- Your ex did not accrue pension during the marriage or partnership.
- Your share after division is lower than €613.52 (amount for 2025). In that case, the full pension automatically remains with your ex.
Exceptions:
What happens to the partner’s pension when you separate?
What happens to the partner’s pension when you separate?
Did your ex accrue pension with us before 1 January 2027?
Then there is a separate pension pot for that partner’s pension.
➡️ After the divorce, we will set that part aside for you. You will receive this pension in the event of your former partner's death.
Did your ex accrue pension with us before 1 January 2027?
Do you not want to receive a partner’s pension?
Then you can waive that right.
👉 Record this in your divorce agreement or prenuptial/partnership agreement, or using the form ‘Agreement on the waiver of special partner’s pension’.
Do you not want to receive a partner’s pension?
Would you like to know the current arrangements for separation?
Check the current arrangements.