You have lost a parent
A lot changes when you lose a parent. There is grief, 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 parent’s pension.
Back
You have lost a parent
What is an orphan’s pension
An orphan’s pension is a monthly payment for children and young people who have lost a parent. If your parent accrued pension with us, you will receive this pension until your 25th birthday.
What is an orphan’s pension
How much pension will I receive?
The amount you will receive depends on your parent’s salary:
- This amounts to 20% of your parent’s gross pensionable salary per year, paid over 12 months.
- Do you have more than 2 siblings? In that case, the total orphan’s pension is 60%, divided equally among all of you.
- Do you have no surviving parents?
Then you will receive a double orphan’s pension: 40%. If you have more than 2 siblings, 120% will be divided equally among you.
Your other parent or guardian can see the amount on My PDN Pension.
Are you 18 years or older? Then you can log in yourself after receiving your first pension payment from us.
How much pension will I receive?
How is it paid?
- Are you under 18? Then we pay the orphan’s pension to your other parent or guardian. Once you turn 18, you can ask us to pay the pension into your own bank account. From that moment, you can also log in to My PDN Pension yourself.
- Are you 18 years or older? Then you can give us your own bank account details and receive the payment directly.
mijn.pdnpensioen.nl
How is it paid?
Would you like to know our current arrangement for the orphan’s pension?
Until 1 January 2027, orphans receive an orphan’s pension until the age of 18. Are you over 18 and still studying? Then you are also entitled to an orphan’s pension up to the age of (maximum) 27.
Would you like to know more about how the orphan’s pension is arranged until 1 January 2027? Read the brochure.
Had your parent left employment and was therefore no longer accruing pension with us?
In that case, there may still be an orphan’s pension for you if your parent:
- passed away within 6 months after leaving employment, or
- passed away within 2 years of leaving employment and received WW or WIA benefits, or
- your parent chose to continue the orphan’s pension and orphan’s pension with us.
👉 You (or your other parent/guardian) can check this in My PDN Pension.
Had your parent left employment and was therefore no longer accruing pension with us?
Your orphan’s pension will change in line with the economy
Your orphan’s pension is from your own pension pot, a pot that Pensioenfonds PDN manages for you. We invest this money so it can grow with the economy. Each year, we check whether your monthly amount should go up or down. We aim to maintain your purchasing power, but there is a small chance your monthly pension amount may decrease, even if the cost of living rises.
Your orphan’s pension will change in line with the economy
What can you expect?
Each year, you (or your parent/guardian) will receive an overview with three scenarios:
- Expected: This is the orphan’s pension you are expected to receive.
- Bad weather: This is the orphan’s pension you may receive if the economy is doing poorly for an extended period;
- Good weather: This is the orphan’s pension you may expect if the economy is doing well.
What can you expect?
Is there a risk of my orphan’s pension decreasing?
Yes, it can, but the chances are slim. We do our best to keep your pension as stable as possible by: We do this by:
- Responsible investing: balancing sufficient return with as little risk as possible of your pension decreasing.
- Spreading financial shocks: PDN spreads financial setbacks over 3 years, so your orphan’s pension cannot suddenly drop sharply. This also applies to windfalls – your pension will not suddenly rise sharply either.
- The solidarity reserve: This is a special reserve used to prevent your pension from decreasing if the first two measures are not enough.
Is there a risk of my orphan’s pension 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.