When should you take action?
You need to take action in the following situations:
If you go to work elsewhere, you can take your accrued pension with you to your new pension fund or insurer. This is called value transfer. You have to apply for this yourself.
If you decide not to transfer your pension, it will then stay with Pensioenfonds Detailhandel. Your pension contributions cease, and you will continue to accrue pension in your new employer’s pension scheme.
Have you accrued pension before this? This can then be transferred to Pensioenfonds
Detailhandel. You can request this on your personal page, your ‘Mijn omgeving’.
If you are getting married or enter into a registered partnership, your partner will be automatically registered with us through the BRP (Personal Records Database) of your municipality. Are you starting non-marital cohabitation (living together)? Please register your partner on your personal page, your “Mijn omgeving”.
If you have a partner, it is very important to know what your mutual partner pension situation is. Make supplementary arrangements if you feel this is necessary.
Contact us if you move abroad, or, whilst living abroad, move house. Subsequently we will inform you what this means for your pension, and, if applicable, your AOW (basic State Pension). You can give us your new address at the same time. Always let us know if your civil status changes.
If you become incapacitated for work
Incapacitated for work? Please carefully consider the consequences this will have for your pension. You do not need to inform us if you become incapacitated for work. The UWV will do so automatically.
More information on incapacity for work is available at www.uwv.nl.
The BRP (Municipality Personal Records Database) will automatically inform us when a marriage of registered partnership is concluded. Did you register a partner with us and are you no longer cohabiting? Then you must de-register your ex-partner using your personal page, your ‘Mijn omgeving’.
Retirement pension Your ex-partner is entitled to half of the pension value you have accrued during your marriage or registered partnership. We can calculate and divide this for you. This is called ‘equalisation of pension entitlements’.
If you prefer another distribution, you and your ex-partner can make arrangements which must be laid down in your divorce agreement. Equalisation is not possible if you cohabited outside marriage.
If your pension needs to be divided, you or your ex-partner must notify us within 2 years using this form. Once your retirement pension commences, your ex-partner will receive their part of the retirement pension directly from us.