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Changes to the disability scheme

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Changes to the disability scheme

As of 1 January 2025, the disability pension scheme in your employment conditions has been amended on a number of points. These amendments mean that the scheme is more in line with the statutory WIA rules. On our website, you will find information about the scheme for participants whose first day of illness falls after 1 January 2023. Is your first day of illness before 1 January 2023? Then the rules for the moment of commencement of the disability pension and for the continuation of your pension accrual apply as they applied before 1 January 2025. Below, you can see in one overview which situation applies to you.

Description
‘Disability pension’
is abbreviated here as ‘AOP’		 Is your first day of illness on/after January 1, 2023? Then the following applies to you: Was your first day of illness before 1 January 2023? Then the following applies to you:
Moment at which the AOP comes into effect

The AOP starts 2 years after the first day of illness.

  • Were you dismissed earlier than 2 years after your first day of illness? Then you will receive the AOP directly from us only from 2 years after the first day of illness.
  • Were you dismissed 2 years after your first day of illness? Then you will receive the AOP directly from us.
  • Were you dismissed later than 2 years after your first day of illness? Then we will first pay the AOP to your employer. The AOP is then, just like the WIA benefit that your employer also receives, part of the salary that your employer continues to pay. From the moment that you are dismissed due to disability, you will receive the AOP directly from us.
 The AOP will not commence until 3 years after the first day of illness, but only after you have been dismissed due to disability.
Height of the AOP
(These changes will only lead to a different outcome of the AOP if your pensionable salary is higher than €66,486)
  • The AO threshold amount used to calculate the AOP is €75,864 (2025). This is equal to the maximum salary on which social benefits, including the WIA benefit, are based.
  • The part-time pensionable salary is the starting point for calculating the AOP.
  • The AO threshold amount used to calculate the AOP is €75,864 (2025). This is equal to the maximum salary on which social benefits, including the WIA benefit, are based.
  • The part-time pensionable salary is the starting point for calculating the AOP.
Continuation of your pension accrual in connection with disability
  • Regardless of whether you are dismissed due to disability, your employer and you will stop paying premiums 2 years after the first day of illness, and your pension accrual will continue without paying premiums.
  • Upon dismissal due to disability, premium-free pension accrual starts. This is usually after 3 years of illness.

Do you have questions about your pension or your Pension Fund? Or do you have a complaint?

To contact

Contact info

Adres Postbus 123
1180 AC Amstelveen
Phone +31 (0)88 - 015 79 00
Email info@philipspensioenfonds.nl

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