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www.pensioenkijker.nl
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Although this sounds quite good, remember that the calculation of your retirement pension
is based on the assumption that you will receive a full-rate AOW pension. This is why your
retirement pension is not based on your full salary: to calculate your pension, frst a sum
(called the deductible amount) is deducted from your salary. So the deductible affects your
partner pension and dependent child beneft as well.
Example
Faisal and Aylin are married. Faisal earns € 30,000. He has a pension scheme with
a deductible amount of € 15,000. Each year he builds up 1.75% of his full pension
based on the rest of his salary (€ 15,000). At most, Faisal will be able to accrue
pension in this scheme for a total of 32 years. At most, he can accrue a retirement
pension of € 8,400 (32 * 1.75% * € 15,000). The partner pension for Aylin is 70%
of this: € 5,880.
The partner pension in this example is not very high. Perhaps Aylin will receive a state
survivor beneft under the National Survivor Benefts Act (Anw) after Faisal’s death.
But this beneft will end when her youngest child turns 18. Then Aylin’s income from
the partner pension can really be too little to live on.
Pension from earlier jobs
If you have changed jobs, you may still be entitled to partner pension from a previous job.
This will be noted on the most recent pension statement you received from your previous
employer.
To learn more about the pension for your partner, go to Pensioenkijker.nl and download
the brochure ‘Boekje open over partnerpensioen’ (‘Basic information on partner pension’,
in Dutch).
Can my foreign pension be paid
in the Netherlands?
Yes.
If you have accrued pension in another country, it can usually be paid in the Netherlands.
This certainly applies to pension you receive from another Member State of the European
Union. In most cases you will need to pay tax in the Netherlands on that pension. How this
works depends on the agreements made by the Dutch government with the country where
you built up your pension.
Important: in some countries, you only accrue pension if you take part in the pension scheme
for a minimum of 5 or 10 years. If you participated in a pension scheme for a shorter period,
you will not have accrued any pension.
Pensioenkijker.nl: Booklet on pension for people who have not always lived in the Netherlands.