Typ een tekst om te zoeken.
Zoeken

Pension 1-2-3

  • You are accruing a lifelong retirement pension with us. You will receive this pension from the first day of the month following your 68th birthday or as soon as you take early retirement.

    The retirement pension stops when you pass away.

    • Were you born after 1 January 1950 and were you a TNT employee on 31 December 2005? Then a transitional arrangement applies to you.
    • Do you have more than one employment contract with TNT? Then you are a member of the pension fund for each individual employment contract. It means you are entitled to more than one pension.

    How much pension will you receive?

    This depends mainly on your salary and the number of years you have accrued pension. The amount of your retirement pension is stated on your Uniform Pension Statement (UPS). We send you the UPS once every year and you can also find it on your personal page, My pension.

    Pension planner

    My pension also features the pension planner. From the moment you receive your first pension statement, or UPS, you can use the planner to make your own pension calculations to determine, for instance, if you can take early retirement.

    You can also visit www.mijnpensioenoverzicht.nl for the overall pension you have accrued, including with any previous employers.

    Your pension is supplementary to the AOW, which is the state pension you will receive from your state retirement age. Go to www.svb.nl for the amounts and commencement date.

    More information

    Read more about your pension scheme in the brochure A brief guide to your pension scheme (in English). If you have a Personal Employment Contract (PAO) please read the A brief guide to your pension scheme - PAO scheme brochure (in Dutch).

     

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • The surviving dependants' pension for your partner and children comprises a partner pension and an orphan's pension.
     

    What will your partner receive?

    • In the event of your decease before retirement your partner will receive a partner pension. It amounts to 70% of the retirement pension you would have accrued if you had stayed on until age 68. This target retirement pension includes the pension accrual over variable income and any additional partner pension based on the balance available then from the defined contribution or the Pension savings scheme.
    • If you pass away after you have retired, your partner will also receive a partner pension. It amounts to 70% of the retirement pension you will have accrued until then, plus the partner pension accrued in the scheme applicable before 1 January 2015.
    • The accrual of the partner pension stops when you leave the company or retire. If you leave the company, your partner will only receive, after your decease, a partner pension over the years you have been a member of our pension scheme.
    • When you leave the company or retire, you may decide to exchange the partner pension for a higher retirement pension. This means your partner will not receive a partner pension.


    Payments start on the first day of the month following your decease and continue up to and including the month of the decease of your partner.

    Please note!

    The pension scheme was adjusted in 2015. Read more about the current scheme or read the brochure A brief guide to your pension.

    No partner?

    You do not have a partner? Then you accrue partner pension anyway, because you may find a partner at some point in time. This means that there is always a partner pension available. If you find a partner after retirement and pass away, your partner will not receive a partner pension. Are you retiring, and do you not have a partner? Then you will receive a higher retirement pension.

    Anw gap insurance

    Your partner is automatically insured against a possible Anw gap. This insurance offers an additional surviving dependants´ benefit if you pass away. If you do not want this, you must notify your employer within two months after joining TNT. Read more in the brochure Supplement to Anw benefit.

    Please note!

    • To qualify, your partnership must have commenced before your retirement.
    • You do not need to notify us if you have a partner. The municipality will inform us if you are married or in a registered partnership. If you live together without being married we will not register your partner until you retire.
    • If you get a divorce or decide to no longer cohabit, this will have consequences for the partner pension.
    • If your partner remarries, enters into a registered partnership or lives with someone outside of marriage after your decease, he or she must inform us. We will re-establish the partner pension in that case.

    What will your children receive?

    Upon your decease any children you have will receive an orphan’s pension if they:

    • are not yet 18;
    • are in college and meet the conditions of the pension regulations, and are under 27.


    The orphan´s pension is 20% of the partner pension per child, for up to five children. If you have more than five children, the orphans´ pension for five children is divided equally over the total number of children you have. For instance, if you have seven children, each child will receive 5/7th share of the calculated orphans´ pension. Together, the children will receive 100% of the partner pension.


    Children are:

    • your own and adopted children;
    • foster children you raise as your own.

    How much is your surviving dependants’ pension?

    The amount of your retirement pension is stated on your Uniform Pension Statement (UPS). We send you the UPS once every year and you can also find it on your personal page, My pension.

    You can also www.mijnpensioenoverzicht.nl for the overall pension you have accrued, including with any previous employers.

     

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • If you fall ill, your employer will continue to pay (part of) your wages for the first two years. You also accrue pension in that case.

    If you are sick for a longer period of time or are incapacitated for work, you may qualify for a  WIA- of WAO-benefit. If you do, you can continue to accrue pension as normal. You may also qualify for a top-up of your income from us.
     

    Your contributions

    We will pay (part of) your pension contributions for as long as you are incapacitated for work. This is called 'non-contributory participation’. How much of the pension contribution we will pay for you depends on the percentage of your incapacity for work.

    Percentage incapacity for work

    Percentage contribution paid for you by Pensioenfonds TNT Express

    80% - 100%

    100%

    65% - 80%

    80%

    55% - 65%

    60%

    45% - 55%

    50%

    35% - 45%

    40%

    0 - 35%

    0%

    Less than 35% incapacity for work?

    Pension accrual is continued only if your incapacity for work exceeds 35%. Under 35% incapacity for work you will not get a WIA benefit and Pensioenfonds TNT Express will not pay any pension contributions for you.

    What happens if your situation improves or deteriorates?

    If your condition improves, your incapacity for work percentage may go down. We will pay less contribution if that happens. On the other hand, we will pay more contribution towards your pension if your incapacity for work percentage increases. How much pension you will accrue then depends on your incapacity for work percentage at that time.

    Continued accrual

    If your employment ends because of your incapacity for work, it may be possible to continue to accrue pension. This depends on your incapacity for work percentage.

    You cannot accrue more pension than you accrued each year just before your employment was terminated. If you no longer receive a WIA benefit, or if you retire, the continued accrual of the retirement and surviving dependants´ pension also ends.

    Your disability pension

    If you become incapacitated for work when you earn more than the maximum daily wage the government has established for the WIA benefit you will receive a disability pension from us. This is calculated over the part of the salary that exceeds the maximum daily wage. This amount is adjusted each year. You can apply for your disability pension by filling in the Application for (extra) Disability Pension form.

    Supplementary disability pension

    Are you partially incapacitated for work and are you reassigned to a part of TNT also covered under the TNT collective wage agreement? Then you will receive an extra disability pension. This pension will commence when continued payment by the employer during your sick leave and disability stops under the TNT collective wage agreement. The extra disability pension applies for as long as you are reassigned.

    Please note!

    If your incapacity for work changes, you must inform us.

     

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • This element does not apply to your pension scheme, because you accrue retirement pension as well as partner pension and orphan’s pension. Should you become incapacitated for work, you might also be entitled to a supplementary disability benefit. Moreover, you will no longer have to pay pension contributions, while your pension accrual continues (in part).

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • A. AOW (state retirement pension)

    AOW is the pension you receive from the government. Anyone who lives or works in the Netherlands is automatically insured for this state pension. You receive a full AOW if you have always been insured for the 50 years prior to your AOW age. You did not always live or work in the Netherlands? Your AOW may turn out to be lower.

    The AOW age is not the same for everyone. The amounts are adjusted each year. Go to www.svb.nl for the amounts and commencement date.

    B. Pension you accrue via your work

    You accrue pension with us if you:

    • have an employment contract with TNT
    • are over 21.

    Your pension accrual stops when you:

    • retire
    • leave TNT
    • pass away.

     

    Please note!

    • You do not accrue any pension before you turn 21, but you are insured for a partner pension if you are married or a registered partner, or if you cohabit. You are also insured for an orphans´ pension and a disability pension.
    • Do you no longer accrue pension because you leave TNT or because you retire? And is your accrued pension less than € 458.06? Then we may commute this sum. We will do this two years after you leave TNT and will notify you accordingly.
    • If you leave TNT, your pension accrual will be continued, provided you use the 'financiële regeling overcompleet 55 plus’ [financial plan for 55 plus].


    The amount of your pension and that for your surviving dependants is shown on your Uniform Pension Statement (UPS). We send you the UPS once every year and you can also find it on your personal page, My pension.


    You can also visit www.mijnpensioenoverzicht.nl for the overall pension you have accrued, including with any previous employers.

    C. Pension you arrange yourself

    You can also save for additional pension, for example by means of an annuity or bank savings.

     

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • To accrue your pension, TNT Express withholds a sum from your salary each month, the so-called contribution. How much you pay is specified on your payslip.

    To be able to pay all pensions, the pension fund invests the pension contributions. The capital thus generated enables us to pay pensions both now and in future.

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • Under the average pay scheme you accrue pension each year over the salary for that year. Upon retirement you will receive a benefit based on the average salary you have earned during your participation in our pension scheme.

    You accrue pension with us up to a salary of € 107.593 gross per year.

    Please note!

    • Until 1 January 2015, it was possible to take part voluntarily in the Individual Pension Savings Scheme (IPS). Under the scheme, you were able to build up extra retirement pension. This is no longer possible. The balance accrued will be maintained and invested. If you leave TNT or if you retire, you can use the balance to purchase extra retirement pension.
    • If you have a Personal Employment contract (PAO) that commenced somewhere between 1 January 2007 and 31 December 2014 you qualified for the defined contribution scheme (BPR) as well as the average pay scheme. These schemes were discontinued on 1 January 2015. The balance accrued will be maintained and invested. If you leave TNT or if you retire, you can use the balance to purchase extra retirement pension.

    Read more about your pension scheme in the brochure A brief guide to your pension scheme. Do you have a PAO? please read the A brief guide to your pension scheme - PAO scheme brochure.

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • You accrue part of your pension each year you work. The accrual of your pension is based on:

    • your salary
    • your holiday allowance
    • your personal allowance exceeding the final salary for job specific reasons
    • the part of the salary exceeding the end salary in that scale
    • your allowance for working irregular hours (TOT) and the TOT phase-out scheme.

    These are the components of your total pensionable salary. For more details, please see the collective wage agreement.

    You do not accrue pension over your entire salary. You do not accrue pension over € 13.785. We call this part of your salary the offset. You accrue, annually, 1,875% over the amount that remains (the pensionable base).

    Working part-time? Your salary will drop. If your salary income drops, you accrue less pension. and your contribution is also lower.

    Examples

    Would you like to know how much pension an employee on a gross salary of € 30,000 accrues? Then take a look at the example.

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • If you have already accrued pension elsewhere you can transfer it to us. This is called value transfer.

    Value transfer is convenient as it prevents fragmentation of your pension. However, it has to be worth it. This depends on the differences between the pension schemes, among other things. You can apply for value transfer without any obligation. We will arrange for the transfer only after you have agreed to the offer.

    Own request

    Do you wish to apply for value transfer? Use the Value Transfer Application form for this purpose.

    Changing jobs?

    Will you be starting in a new position? If so, you will be able to transfer the pension you have accrued to your new pension fund or insurer. You have to apply for this yourself. When you leave the company and decide not to transfer your pension to another pension administrator, your pension will remain with Pensioenfonds TNT Express.

    Policy funding ratio

    If you are considering value transfer, the financial situation of the pension fund is important. The reason is that we are only allowed to cooperate in a value transfer if our policy funding ratio exceeds 100%. The policy funding ratio of the other pension fund must also be at least 100%.

    If this is not the case, you may apply for value transfer, but we will not take action yet. Your accrued pension will remain with your previous pension fund until the funding ratio is higher than 100%, and we will let you know when that happens.

    Working abroad
    Will you be working abroad in your new job? A value transfer may still be possible in that case. This depends on both the pension system in place in that particular country and your new employer´s pension scheme. For more information, you can contact our Pension Desk.

    Would you like more information?

    Would you like to know more about value transfer? Then contact our Pension desk or read the 'Value transfer' brochure.

     

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • If you leave the company, or if you retire, you can exchange (part of) your partner pension for extra retirement pension. This means your retirement pension will go up, but your partner will receive no or less partner pension. This may be interesting if you have no partner or if your partner has a good income or pension.

    This option does require your partner's written consent. If you take this option upon your retirement, you cannot undo this.

    What does this mean for you?
    If you would like to know the consequences for your financial situation, go to the pension dashboard for a personal calculation.

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • As a rule, your pension commences on the first day of the month following the month in which you turn 68. You may also take early retirement (from your 60th birthday at the earliest).

    You can also take partial retirement. You should always discuss this with your employer. Your part-time pension will be based on the part-time percentage. You continue to accrue a pension for the percentage you continue to work.

    Lower pension

    If you take early retirement your retirement pension and partner pension will be lower, because you accrue pension over a lower number of years, while the pension will have to be paid for a longer period of time. The reduction of your retirement pension depends on the number of years and months you retire sooner.

    How to apply

    If you would like to retire early or partially, you need to apply three months before your preferred retirement date.

    The retirement pension is paid until the end of the month in which you pass away. From your state retirement age, you will also receive a state pension.

    Please note!

    Will you retire before your state retirement age? Then you will receive your early retirement pension but no state retirement pension benefit as yet. You can bridge this temporary difference in income by means of AOW compensation. This means you exchange part of your retirement pension for a temporary retirement pension to receive part of your retirement pension until your state retirement age. Please note that your retirement pension will be lower after your state pension age.

    What does this mean for you?

    If you would like to know the consequences for your financial situation, go to the pension planner for a personal calculation.

    Would you like more information?

    Would you like to know more about part-time retirement? Then contact our Pension desk or read the Part-time retirement brochure.

     

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • You will receive a fixed amount in pension benefits when you retire.

    You may also start on a higher pension, and then, a few years later, change to a lower one. This would be handy if, for instance, you plan to pay off your mortgage after you retire, or if you have any other plans.

    This is subject to the following conditions:

    • the high pension benefit is 133% of the lower benefit
    • the lower pension benefit is 75% of the high benefit.
    • once you have decided to take the higher-lower option you cannot reverse this decision.


    What does this mean for you?
    If you would like to know the consequences for your financial situation, go to the pension planner for a personal calculation.

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • Would you like to compare your pension scheme? Click to go to the pension comparer (pdf).

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • The accrual and payment of pensions cover a very long period of time, there may be as much as 80 years between the start of the accrual and the final pension payment.

    The world changes during such a period. This means that risks may arise for your pension and they may lead to a pension shortfall. We try to prepare ourselves for those risks as best we can. This did not always go well in the past, for example because life expectancy increased faster than we had anticipated.

    Life expectancy

    The average age of people in the Netherlands is increasing. The longer you live, the more pension we have to pay to you. This means that if the average age increases, more money is needed for pensions, perhaps more than we had anticipated.

    Interest rate

    Interest has an impact on pensions. The lower the interest, the more money we have to have 'in cash' to be able to pay all pensions in future. This means that long-term low interest rates make pensions 'more expensive', perhaps more expensive than we had anticipated.

    Investments

    We invest the contributions of all of our members, but investment results may be disappointing. That is why we invest in several different ways. Sometimes the profit on one investment makes up for the loss on another. Although we can hedge these investment risks, that is not without cost. There are other risks we need to take into account in order to protect your pension in the best possible way. We need to literally 'manage' these risks. You can read more about our risk management in our annual report.

     

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • Because of rising prices, your money loses value each year (inflation). The same amount will buy you less. That means that your (accrued) pension with TNT Express also decreases in value.

    In order to prevent this we aim to increase the pensions every year. This is decided by the pension fund board, based on several factors, such as the policy funding ratio. In consultation with the social partners, we have come to the conclusion that there might be a little room for indexation over the next 5 years.

    Please note!

    If you have accrued a sum under the defined contribution scheme or via the Individual Pensions Saving Scheme your pension contributions are invested. The capital you accrue in this manner will not be increased. nor will we reduce it if the fund has a shortfall. The capital will only grow or diminish due to investment results. However, we may increase or decrease the annual pension after you retire.

    Indexation

    During the past years, we increased the pensions for our members in the following manner:


    Indexation

    Price increase

    2017 0.00% 1.50%
    2016 0.00% 0.60%
    2015 0.00% 0.40%

    2014

    0.32%

    0.60%

    2013

    0.00%

    0.80%

    2012

    0.00%

    1.90%

    2011

    0.00%

    2.30%

    2010

    0.00%

    1.40%

    2009

    0.14%

    0.80%

    2008

    0.00%

    1.80%

     

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • Despite all precautionary measures, a situation may occur in which we do not have enough money to pay all pensions in the long term. Something will have to be done.

    It is our duty to consider as carefully as possible what would be the best solution: to raise the contribution, to reject indexation or reduce pension accrual. If the pension fund is not doing so well financially, TNT will be obliged to pay additional funds to the pension fund. More about this in the recovery plan.

    We can also opt for a combination of measures or make other choices. In extreme cases we may decide to reduce the pension you have accrued. This is decided by the pension fund board, based on several factors, such as the policy funding ratio. We do not expect having to reduce the pension the next few years.

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • Pensioenfonds TNT Express incurs the following costs when administering the pension scheme. Examples include administrative costs, making pension payments and collecting contributions.

    We also incur costs related to communication, such as letters, the Uniform Pension Statement (UPS) and the website.

    The management and investment of contributions also cost money. We pay for the purchase and sale of shares of shares, for example.

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • If you have already accrued pension elsewhere you can transfer it to us. This is called value transfer.

    Value transfer is convenient as it prevents fragmentation of your pension. However, it has to be worth it. This depends on the differences between the pension schemes, among other things. You can apply for value transfer without any obligation. We will arrange for the transfer only after you have agreed to the offer.

    How to apply

    Do you wish to apply for value transfer? Use the Value Transfer Application form for this purpose.

    Changing jobs?

    Will you be starting in a new position? If so, you will be able to transfer the pension you have accrued to your new pension fund or insurer. You have to apply for this yourself. When you leave the company and decide not to transfer your pension to another pension administrator, your pension will remain with Pensioenfonds TNT Express.

    Policy funding ratio

    If you are considering value transfer, the financial situation of the pension fund is important. The reason is that we are only allowed to cooperate in a value transfer if our policy funding ratio exceeds 100%. The policy funding ratio of the other pension fund must also be at least 100%.

    If this is not the case, you may apply for value transfer, but we will not take action yet. Your accrued pension will remain with your previous pension fund until the funding ratio is higher than 100%, and we will let you know when that happens.

    Working abroad

    Will you be working abroad in your new job? A value transfer may still be possible in that case. This depends on both the pension system in place in that particular country and your new employer´s pension scheme. For more information, you can contact our Pension Desk.

    Would you like more information?

    Would you like to know more about value transfer? Then contact our Pension desk or read the Value transfer brochure.

     

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • If you are dismissed or quit your job and become unemployed, your pension accrual will stop. You do not have to inform us of this because we will be notified by the employer.

    The pension you have accrued, remains yours. If you find employment elsewhere, you may opt for value transfer. We will pay you a pension from the date you retire according to the pension scheme.

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • Taking leave, such as parental leave or unpaid leave, may affect your pension.
     

    Parental leave

    If you and your partner have a baby, you qualify for parental leave. While you temporarily reduce the number of hours you work during your leave, you will continue to accrue pension as usual.

    Unpaid leave

    This is the period your employment continues without you receiving any salary. This also applies of you are on unpaid part-time leave. During that period you will continue to be a member of the pension fund. You do not accrue any pension, but the surviving dependants´ and the disability pension remain insured. However, you do pay a premium for this.

    If you agree with your employer that you wish to accrue pension during your unpaid leave, then you must pay the full contribution to the pension fund via your employer.

    Life-Course Leave

    Unpaid leave includes leave granted under the Life Course Savings scheme. Again, you do not accrue any pension but the surviving dependants’ and disability pension remain insured.

    In this case too, you may opt to continue your participation for your own account. For more information about Life Course Savings and pension accrual, please read the Life Course Savings regulations available on the TNT Intranet or ask your Personnel department for a copy. Here you can also read how the transition scheme will affect your Life Course Savings.

    Do you have to do anything?

    No, you do not need to take any action. Your employer informs us if you are taking leave. You may ask for an offer without obligation via your employer.

     

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • Your children are related to your pension in several ways. If you have a baby, for instance, you may take unpaid parental leave. and if you pass away your child is entitled to an orphan's pension.


    Registering your child?
    If you have a baby, you do not need to inform us. The municipality automatically notifies us.

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • If you fall ill, your employer will continue to pay (part of) your wages for the first two years. You also accrue pension in that case.

    If you are sick for a longer period of time or are incapacitated for work, you may qualify for a WIA or WAO benefit. If you do, you can continue to accrue pension as normal. You may also qualify for a top-up of your income from us.


    Your contributions
    We will pay (part of) your pension contributions for as long as you are incapacitated for work. This is called 'non-contributory participation’. How much of the pension contribution we will pay for you depends on the percentage of your incapacity for work.
     

    Percentage incapacity for work Percentage contribution paid for you by Pensioenfonds TNT Express
    80% - 100% 100%
    65% - 80% 80%
    55% - 65% 60%
    45% - 55% 50%
    35% - 45% 40%
    0 - 35% 0%

     

    Less than 35% incapacity for work?

    Pension accrual is continued only if your incapacity for work exceeds 35%. Under 35% incapacity for work you will not get a WIA benefit and Pensioenfonds TNT Express will not pay any pension contributions for you.

    What happens if your situation improves or deteriorates?

    If your condition improves, your incapacity for work percentage may go down. We will pay less contribution if that happens. On the other hand, we will pay more contribution towards your pension if your incapacity for work percentage increases. How much pension you will accrue then depends on your incapacity for work percentage at that time.

    Continued accrual

    If your employment ends because of your incapacity for work, it may be possible to continue to accrue pension. This depends on your incapacity for work percentage.

    You cannot accrue more pension than you accrued each year just before your employment was terminated. If you no longer receive a WIA benefit, or if you retire, the continued accrual of the retirement and surviving dependants´ pension also ends.

    Your disability pension

    If you become incapacitated for work when you earn more than the maximum daily wage the government has established for the WIA benefit you will receive a disability pension from us. This is calculated over the part of the salary that exceeds the maximum daily wage. This amount is adjusted each year. You can apply for your disability pension by filling in the Application for (extra) Disability Pension form.

    Supplementary disability pension

    Are you partially incapacitated for work and are you reassigned to a part of TNT also covered under the TNT collective wage agreement? Then you will receive an extra disability pension. This pension will commence when continued payment by the employer during your sick leave and disability stops under the TNT collective wage agreement. The extra disability pension applies for as long as you are reassigned.

    Please note!

    If your incapacity for work changes, you must inform us.

     

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • If you work less, you will receive less salary. All of your pension reservations are based on your salary and the hours you work.

    If you work less or receive less salary, you also accrue less retirement and partner pension. Your pension contributions will be adjusted accordingly. You do not need to take any action.


    Enough pension?
    Only you can decide if your pension will be enough to realise your plans after you retire. For this reason, check your financial plan regularly.

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

    • Are you getting married or will you be entering into a registered partnership? We will be notified by the municipality if you live in the Netherlands. This means that you will not be required to register your partner. If you get married abroad, you must register your partner with us. Please send us a copy of the marriage certificate.
    • If you cohabit, you do not need to register your partner with us. You may opt to do so if you retire. If you do not do so, your partner will not receive a partner pension if you pass away.


    Find out what influence your marriage, registered partnership or cohabitation contract may have on the partner pension.


    Would you like more information?
    Would you like to know more about pension and cohabiting outside marriage? Then contact our Pension desk or read the Pension and cohabiting outside marriage brochure.

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • Are you getting divorced or is your registered partnership ending?

    Then you should take the following into account.

    Take the following into account

    • Your ex-partner receives half of the retirement pension you accrued during the course of your marriage or registered partnership. Your ex-partner will also receive the partner pension accrued by you up to your divorce. We call it the ´special partner pension’. Your ex-partner may waive this right.
    • If you wish to come to a different division of the retirement and partner pension with your ex-partner you will need to lay this down in a notarial divorce covenant. To be sure, please contact us first, as some arrangements may require the fund´s prior approval.
    • You must inform us of your divorce within two years by submitting the Division of the retirement pension in the event of divorce form. We will then pay your ex-partner half of the retirement pension once you retire. Your partner receives the partner pension if you pass away.
    • The sums we pay your ex-partner are deducted from your own retirement pension and from the partner pension of any subsequent partners.

     

    Are you separating and do you have a notarial cohabitation contract? Then you should take the following into account.

    • You are not obliged to share the retirement pension with your ex-partner. You may, however, do this voluntarily. This is something you can arrange with your ex-partner.
    • The arrangements must be recorded by a notary. To be sure, please contact us first, as some arrangements may require the fund´s prior approval.
    • You do not need to inform us that you are splitting up. However, you do need to inform us of the arrangements made about the division of the retirement pension within two years by completing the Division of the retirement pension in the event of divorce form. We will then pay your ex-partner when you retire.
    • If you want your ex-partner to be paid the partner pension you must send us the notarial deed that shows that you have split up.
    • The sums we pay your ex-partner will be deducted from your retirement pension and the partner pension of any subsequent partners.

    Please note!

    • A second divorce will not affect the retirement or special partner pension that was determined for your first ex-partner. A second divorce will be subject to the same division as the first, but from commencement of the second marriage. The special partner pension is calculated based on the date the first marriage ended.
    • If you lived together without a notarial cohabitation contract your partner does not qualify for part of your pension.

    Would you like more information?

    To learn more about your pension in the event of divorce, please read the brochure Pension in the event of divorce on or after 1 May 1995. If you have any questions, also about divorces before 1 May 1995, please contact our Pension Desk.

     

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • You don't need to inform us if you move abroad or back to the Netherlands, or if you change your address while abroad. However you do need to inform the RNI.

    Please note!
    Moving abroad could have consequences for your AOW.

    Moving within the Netherlands
    If you move within the Netherlands, you do not need to inform us. The municipality automatically notifies us of your new address.

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • Would you like to know how much pension you have accrued in total? Go to www.mijnpensioenoverzicht.nl.

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

  • If you have questions or if you would like to select one of the options, please contact our Pension Desk by calling +31 (0)50 522 50 90 or by sending an e-mail to deelnemer@pensioentntexpress.nl.

    More information

    More information

    Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

    For more information, please read our:


    We have made an overview of our administration costs (you will also find them in the annual report).


    Pension Comparer to compare pension plans
    Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.

More information

Note: Only layers 1 and 2 are available in Engllish. The documents below are in Dutch.

For more information, please read our:


We have made an overview of our administration costs (you will also find them in the annual report).


Pension Comparer to compare pension plans
Pension 1-2-3 provides much information about your new pension plan. Did you accrue pension with your previous employer? Then use the pension comparer to compare both plans. The pension comparer can help you make a decision on value transfer, for instance.