You have lost your partner
There will be a lot of changes. There is grief, there are practical arrangements to be made, and you may be worried about the future. One of those concerns may be: how will this affect my financial situation?
That’s why it is good to know what arrangements are in place for you through your partner’s pension.
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You have lost your partner
Did your partner still accrue pension at PDN?
- Then you will receive lifelong partner’s pension of 30% of your partner’s gross pensionable salary per year.
- Did your partner accrue pension with us before 1 January 2027? Then this partner’s pension will be added on top.
👉 Check amount on My PDN Pension.
*this shows the amount of partner’s pension your partner will receive if you pass away before 1 January 2027.
mijn.pdnpensioen.nl
Did your partner still accrue pension at PDN?
Do you have children?
Children under 25 receive an orphan’s pension of 20% of your partner’s gross pensionable salary per year until their 25th birthday.
- Do you have more than 3 children? Then 60% will be divided among them.
👉 You can also check this amount on My PDN Pension.
*here, your UPS specifies the amount of orphan’s pension your children will receive if you pass away before 1 January 2027.
Do you have children?
Would you like to know more about how the partner’s pension is arranged until 1 January 2027?
Read the ‘Partner and Orphan's Pension’ brochure on the website.
Had your partner already left the company?
Then there may still be some arrangements in place for you and your children if your partner:
- passed away within 6 months of leaving employment, or
- passed away within 2 years of leaving employment and received WW or WIA benefits, or
- chose to continue the partner’s pension and orphan’s pension with us.
👉 You can also check how much partner’s and orphan’s pension you are entitled to on My PDN Pension.
Had your partner already left the company?
Do you need to do anything to receive the partner’s and orphan’s pension?
Were you
- married,
- in a registered partnership,
- living together and had submitted a cohabitation certificate to us,
You don’t need to do anything. You will automatically receive a notification from us about the partner’s and orphan’s pension
Were you living
- together without being married or a registered partnership, or
- outside the Netherlands?
Then it is important that you are registered as the partner. Is your name not listed on the latest UPS or in My PDN Pension? Then you can prove your partnership with an extract from the civil registry showing that you lived together. Without this, we cannot pay the partner’s and orphan’s pension because we would not know where to send it.
Do you need to do anything to receive the partner’s and orphan’s pension?
Your partner’s pension and orphan’s pension will change in line with the economy
Pensioenfonds PDN invests the money in the pension pots of your partner’s pension and orphan’s pension. Thereby, we aim for a good balance between sufficient return with as little risk as possible of your partner’s pension and orphan’s pension decreasing. Each year, the investment result is added to the pension pot for you and your children. After this, we determine how your monthly amount changes for the following year. This way, we try to maintain purchasing power. However, there is also a small chance your monthly amount may decrease.
Your partner’s pension and orphan’s pension will change in line with the economy
What can you expect?
Each year, you receive an overview showing the partner’s pension and orphan’s pension you can expect in the coming year and the years after. Because the future is difficult to predict, the overview includes three scenarios:
- Expected: This is the pension you are expected to receive.
- Bad weather: This is the pension you may receive if the economy is doing poorly for an extended period;
- Good weather: This is the pension you may expect if the economy is doing well.
What can you expect?
Is there a risk of my pension pot decreasing?
That is possible, if the economy takes a downturn for an extended period. However, the chance of your pension decreasing is small. We have several ways to keep your pension as stable as possible and aim for a pension that maintains purchasing power in the long term. We do this by:
- Responsible investing: balancing sufficient return with as little risk as possible of your partner’s pension and orphan’s pension decreasing.
- Spreading financial shocks: PDN spreads financial setbacks over 3 years, so your partner’s pension and orphan’s pension cannot suddenly drop sharply. This also applies to windfalls – your pension will not suddenly rise sharply either.
- The solidarity reserve: If economic conditions are so unfavourable that pension payments must decrease despite shock-spreading, PDN uses this reserve to supplement your pension to the extent that it does not decrease.
Is there a risk of my pension pot decreasing?
Would you like to know the arrangements in place for you?
Check it in My PDN Pension and in the planner. That way, you know exactly where you stand.