What happens to your pension after death? Survivors in Rijswijk may be eligible for benefits, depending on your personal situation and pension scheme.
Death Before Pensionable Age
If you pass away before your pension payments start:
- Your partner may be eligible for partner's pension
- Your children may have a right to orphan's pension
- The amount of the benefit depends on your specific pension scheme (accrual or risk)
Death After Pensionable Age
If you pass away while already receiving pension:
- Your old-age pension will be terminated
- Your partner may receive a partner's pension
- This often amounts to 70% of the original old-age pension
Reporting Death in Rijswijk
In the event of a death, you must report it to:
- The relevant pension fund for benefits
- The Social Insurance Bank (SVB) for AOW and possibly Anw
- The employer, if the deceased was still employed
Anw and Pension Benefits
In addition to a survivors' pension, survivors may be eligible for a benefit under the General Survivors Act (Anw):
- Anw is a government benefit
- This is separate from an employer's pension
- The amount of the Anw may be reduced if there is other income
Frequently Asked Questions about Pension and Death
Will my partner receive my full pension after my death?
No, your partner usually receives partner's pension, which is often 70% of what your old-age pension was or would have been.
What if I have no partner in Rijswijk?
In that case, the partner's pension usually reverts to the fund. Children may still have a right to orphan's pension.
Can I choose who receives my pension?
Partially. You can register your partner with the pension fund, but it is often not possible to designate someone else.
Additional Information and Assistance in Rijswijk
For legal questions about pension and death, you can contact the Juridisch Loket Rijswijk. In addition, Rijswijk falls under the jurisdiction of the District Court of The Hague for any disputes or proceedings regarding pension matters.
Frequently Asked Questions about Procedures
How quickly do survivors receive a benefit after death?
The processing time varies per fund, but is usually between 4 and 8 weeks. Report the death immediately to the pension fund and the SVB, and ensure you have the necessary documents such as a death certificate to avoid delays. Contact your fund for specific details.
What happens to my pension if I have no survivors?
If there is no partner or children entitled to benefits, the pension often reverts to the fund. Some schemes offer options to designate another beneficiary. Check your scheme or seek advice from your pension fund.
Can I increase the partner's pension?
Under certain schemes, you can increase the partner's pension by paying extra premiums or taking out additional insurance. Contact your fund or an advisor in Rijswijk for the options and costs.
How is partner's pension calculated in the event of death before pension date?
This is often based on the accrued capital or a percentage of your salary. Under an accrual scheme, it is usually 70% of the old-age pension. Ask your fund for a detailed calculation.
What is the difference between Anw and survivors' pension?
The Anw is a government scheme for survivors with little income or young children, while survivors' pension comes from your pension scheme. Anw may be reduced due to income, survivors' pension usually not. Both can be received together.
Do I need to register my partner with the pension fund?
Yes, usually you must register your partner yourself to claim partner's pension. This can be done via a form from your fund. Do this in good time to avoid problems.
Can my ex-partner claim rights to my pension after death?
This depends on your scheme and arrangements made upon divorce. An ex-partner often only has rights if this is explicitly recorded in the settlement agreement.