Getting married or entering into a registered partnership

If you get married or opt for a registered partnership, your partner will be entitled to a partner’s pension in the event that you pass away.

What must you do?

If you are getting married in the Netherlands, you do not have to do anything. Your municipality will automatically forward the details of your partner to us.

There are some situations in which you do have to send us the details yourself:

  • If you are getting married and/or reside outside of the Netherlands
    In that case, please send us a certified copy of the marriage certificate.
  • If you are getting married outside of the Netherlands and reside in the Netherlands
    In that case, please inform the municipality where you are registered of your marriage. The municipality will then automatically forward the details of your partner to us.

What will we do?

We will register your partner. As from the year after your marriage, your partner will be listed on your annual uniform pension statement.

How much will your partner receive?

To check this, please log in to your personal pension portal. There you can find which risk insurance policies have been taken out for your partner. One year after your marriage, your marriage will also be stated on the annual uniform pension statement you receive from us.

Extra pension for your partner: ANW survivor benefit shortfall insurance

Your partner may be entitled to an ANW survivor benefit from the government after you pass away. This is a benefit under the Surviving Dependants Act (Algemene Nabestaandenwet, or ANW). Not everyone is entitled to such a benefit and some may receive a lower benefit. In that case, your partner’s income will fall. To cover this shortfall, you may be able to take out ANW survivor benefit shortfall insurance with us. We also refer to this as an extra partner’s pension.

Please note: Your employer may opt to include the ANW survivor benefit shortfall insurance in its pension scheme. The ANW survivor benefit shortfall insurance is not included by default. Please check your personal pension portal to see whether this option is available to you.