More about pension for partner and child
For your partner: Survivor's pension
After your death you want your partner and children to be well cared for. As a participant of Philips Pensioenfonds you do not have to worry about this. Our pension scheme provides an income for your lagging partner. Possible children may also be entitled to an income: the orphan's pension. As a participants of the flex pension scheme, you automatically build up a survivor's pension. This is a lifelong retirement income that your partner will receive if you die. It is therefore important to register your partner with Philips Pensioenfonds.
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18 July 2023
Are you living together unmarried? It is important that your partner's details are correct. Only then will we pay a survivor's pension after your death. |
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Register your partner with Philips Pensioenfonds
You do not have to register your partner with us yourself. We will automatically receive your data from the municipality in which you live.
Do you live unmarried together or abroad?
It is important that you register your partner with us yourself. Only if your partner is registered with us do we pay a survivor's pension after your death.
Attention for participants who are living together unmarried! In the event of death, we will pay a survivor's pension. It is therefore important that you provide us with your partner's personal data. You can register your partner via the 'Partner registration' form.
If you are married or have a registered partnership, your civil status has already been passed on to Philips Pensioenfonds via the municipal personal records database (BRP).
Do you earn more than € 137,800?
The accrual of a survivor's pension is arranged via the flex pension for income up to € 137,800. If you earn more, you can save for extra pension yourself via the voluntary net pension scheme from Philips at Centraal Beheer PPI (020 - 591 4242).
Anw-shortfall insurance
If you die and your partner is registered with us, Philips Pensioenfonds will automatically pay him or her a survivor’s pension. He or she might also be entitled to state benefits under the Dutch Surviving Dependants Act (Algemene Nabestaandenwet, ‘ANW’). You may wish to take out ANW shortfall insurance with us if your partner does not have an entitlement, or not a full entitlement to ANW benefits.
Please note: you can only take out the ANW-shortfall insurance within 3 months after you have been employed, get a (new) relationship, had a child. You can find more information, the term and conditions and a short animation about ANW-shortfall insurance on our page below.
More about ANW-shortfallAction required
Would you like to take out ANW- shortfall insurance? Then fill out the "ANW- shortfall insurance" form.
Form Anw-shortfall insuranceFor your children
For your children: orphan's pension
Your children may be entitled to an orphan's pension after your death. The orphan's pension is a temporary pension income for the children. Children also often have major financial consequences after the death of one of the parents. For example, they want to study and are financially dependent on you.
When are your children entitled to an orphan's pension?
Do you have any children? Then your children may be eligible for an orphan's pension. This applies to children under the age of 21. If your children are older, they will not receive an orphan's pension.
If there are several children, each child will receive an orphan's pension.
If the children are younger than 18, the payment is made to their legal representative. Children older than 18 can receive the orphan's pension on their own account. We would like to receive a written request for this.
Do you have children from a previous relationship? Then these children can also be eligible for an orphan's pension. The same conditions apply as described above.
Related information
Is the information below perhaps also interesting for you?
Indexation policy
We try to increase your pension each year with wage inflation. This is called 'indexation'. Do you want to know more about this?
Go to indexation policy
Financial position
The financial position of Philips Pensioenfonds is assessed on the basis of the funding ratio, among other things.
Go to financial position