Pension Brochure Stichting Pensioenfonds Hewlett-Packard Nederland
2014 Premium Pension Plan and 2014 WIA top-up scheme This brochure belongs with the introductory letter.
April 2014 – provisional version subject to any future changes. The pension plan rules referred to have not yet been finalised.
Table of Contents
Introduction 1 What amount of pension can you expect at your retirement date? 1.1 What is the capital you can accrue? 1.2 How is your pension capital invested? 1.3 What costs will be charged? 1.4 Will your pension be protected against inflation? 2 What pension can your partner and children expect upon your death? 2.1 Death during your current employment 2.2 Death after termination of your current employment 2.3 Death after your retirement date 3 What amount of pension can you expect in case of disability? 4 What do I do now? 5 Changes to your job or personal situation 5.1 What if I decide to work part-time? 5.2 What if I split up with my partner? 5.3 What will happen to my pension capital upon termination of my employment contract? 6 Your options 6.1 Early retirement 6.2 Lower partner's pension 6.3 Part-time retirement 7 Other information 7.1 What information needs to be supplied by both parties? 7.2 What if I have a complaint? 7.3 Useful addresses
3 3 3 5 5 6 6 6 8 8 8 10 11 11 11 11 12 12 12 12 12 12 13 13
Introduction This pension brochure describes Stichting Pensioenfonds Hewlett-Packard Nederland’s Premium Pension Plan and WIA top-up scheme. When you join Hewlett-Packard Nederland B.V. after 1 January 2014, you automatically become a participant in the 2014 Premium Pension Plan. The administrator of the pension plan is Aon Hewitt. This pension brochure contains an outline of the pension plan rules and is not exhaustive. Therefore, you cannot derive any rights from this brochure. Your rights and obligations are set out in the pension plan rules and the by-laws of the pension fund. The pension plan rules are available on request from the pension fund or can be downloaded from www.hp-pensioenfonds.nl. The questions covered by this brochure include: What amounts of pension can I expect? What do I do now? How do changes in my job or my personal situation affect my pension? What are my options?
Make sure you keep this brochure in a safe place. You might need it in the future.
1 What amount of pension can you expect at your retirement date? As soon as you become a participant in the Premium Pension Plan, you start accruing your pension capital. You become a participant as soon as you start working for Hewlett-Packard Nederland B.V., provided that you are aged 21 or older. What if you are under 21 at that time? You become a participant as soon as you reach the age of 21. You stop being a participant when your employment ends. Your pension plan is a defined contribution plan. Annually, a percentage of the pensionable base is paid as a contribution. Each month an amount is paid into a pension account in your name. In this way, you build up your own pension capital. On behalf of the pension fund, Robeco invests the contributions in investment funds. You have to use the pension capital to buy a periodic pension benefit from an insurer on your retirement date. The amount of the pensions is not known in advance. This is because the balance existing in your pension account when you retire depends on future investment income, your chosen retirement date and the purchasing factors applied by the insurer of your choice. Investment income increases the value of the pension capital and investment losses reduce the value of the pension capital. Your retirement pension will normally take effect from the first day of the month following the month in which you reach the age at which you qualify for a state pension according to the AOW (Old Age Pensions Act). Alternatively, you may decide to retire earlier. Chapter 6 provides more details about this. 1.1 What is the capital you can accrue? A pension account is opened for each participant with Robeco. As soon as you register with Robeco, they will send you more information about your pension investment account. During your employment, monthly contributions will be paid into the account. The amount of the contribution depends on your salary, among other factors. As you will receive a basic state pension, the AOW benefit, once you qualify under the AOW, you do not accrue a pension on your entire salary. Therefore, an amount is deducted from your salary, the offset. For the Premium Pension Plan, the offset is €13,449 (reference date 1 January 2014). The offset is adjusted each year. Your annual salary minus the offset is the pensionable base.
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The annual contribution paid into your pension account is a percentage of the pensionable base. The percentage depends on your age. The table below shows the range of percentages. Age
Annual contribution (% of pensionable base)
% 20 – 24 years old 25 – 29 years old 30 – 34 years old 35 – 39 years old 40 – 44 years old 45 – 49 years old 50 – 54 years old 55 – 59 years old 60 – 64 years old 65 – 66 years old
6.0 7.3 8.8 10.6 12.8 15.5 18.7 22.7 27.6 31.8
As a participant you pay part of the contribution yourself. Currently, all participants in the Premium Pension Plan pay 6.0% of their pensionable base as a participant’s contribution. This contribution is part of the total contribution, calculated according to the table. The personal contribution basis is equal to your salary minus the personal contribution offset. This offset is set on the reference date each year and is equal to 1.5 times 10/7ths of the AOW benefit for a married person rounded up to the nearest euro. In 2014 the offset is €20,173. The contribution is set each year in January and paid into your pension investment account by monthly instalments. Your participant’s contribution is deducted from your salary each month. Example: Suppose you are 37 years old and your annual salary is €40,000. Your pensionable base is therefore: €40,000 – €13,449 = €26,551 The contribution paid into your pension account each year is: 10.6% x €26,551 = €2,814.41 The part you pay yourself, your annual participant’s contribution, is: 6,0% x (€40,000 – €20,173) = €1,189.62
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On your retirement date you have to use the pension capital accrued so far to purchase a retirement pension for life and a partner’s pension for life from an insurer of your choice. The amount of the pensions to be purchased is determined based on the purchase rates of the insurer of your choice. The standard amount of the partner’s pension is 70% of the retirement pension. Possible situations in which the employer can reduce the contribution to the Premium Pension Plan Circumstances may arise in which the employer has to reduce the annual contribution to the pension fund or even cease it completely. The Pension Act stipulates that this is only possible if there is a radical change in circumstances. In this case, the employer is required by law to inform both you and the Board of Trustees of the pension fund of this. The pension capital you have already accrued remains unaffected. However, the annual contribution that will be paid into your pension account in the future changes. 1.2 How is your pension capital invested? By default, your profile is set at ‘Fully Managed’ for Robeco. In this profile, Robeco invests the contributions on the basis of the recommended mixes as determined by the fund. A recommended mix is a spread in shares, bonds and savings accounts for each specific age group. If you are young, a larger proportion will be invested in shares and a smaller proportion in bonds and savings accounts. As you get older, the proportion invested in bonds will increase and the proportion invested in shares will decrease. When you become a participant, Robeco invests your pension capital according to the recommended mix for your age band. As soon as you reach the next age band, Robeco automatically adjusts the investments in line with the recommended mix for that band. Choose your own recommended mix You can also decide to take responsibility for your investments yourself. In that case, you should choose the ‘Self-Managed’ profile. You then choose the investment mix yourself. You can choose an existing recommended mix from Robeco or compose your own mix from the investment funds offered. The brochure you will receive from Robeco provides an explanation of the various recommended mixes. What should you do if you want to choose your own recommended mix? If you want to choose your own recommended mix or compose your own investment mix, you can notify Robeco of the change yourself at www.flexioen.nl. You need to log in using the login given to you by Robeco. You will be assigned the ‘Self-Managed’ profile once you have signed the relevant form and client and risk profile and sent them to Robeco. Based on the client and risk profile filled in by you, Robeco will advise you on the allocation of your investments. Here, Robeco takes account of the length of time remaining until your retirement date. As you get closer to your retirement date, Robeco will recommend that you invest less riskily. Robeco will inform you at least once a year whether your investments still match your client and risk profile. You should bear in mind that investment income is uncertain. Past performance is no guarantee of future results. There is a risk that you might not get back the (full) investment in the pension account as the price and yield of investment products can rise or fall. 1.3 What costs will be charged? The monthly contribution will be credited to your pension account. No buying and selling costs apply when investments are bought or sold. However, costs are charged for the day-to-day management of the investment funds and to cover expenses incurred. To find out the costs for each investment fund, go to the participants’ portal www.robeco-flexioen.nl. More details of costs are also given in Robeco’s brochure ‘Uw pensioen en Flexioen’. Other costs such as administration costs and the contribution for the partner’s, orphan’s and disability benefit (WIA) top-up pensions are paid by the employer.
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1.4 Will your pension be protected against inflation? Can you buy today's equivalent in the future with your accumulated pension? We are unable to answer that question. The amount of your pension in the future is as yet unknown, as this depends mainly on the following:
How much pension contribution was paid How much there is left to invest after investing the pension contributions How much pension you are able to purchase with what is left. Whether your pension is affected by inflation or not depends on the insurer you choose at your retirement date.
2 What pension can your partner and children expect upon your death? The Premium Pension Plan provides for a partner’s pension and an orphan’s pension for your partner and children. Your partner and children will receive these pensions upon your death. By partner, we mean the man or woman with whom you are in a relationship. This relationship can be: A marriage A partnership registered at the registry of births, deaths, marriages and registered partnerships. Subject to certain conditions, also cohabitation by unmarried couples. The exact conditions are set out in the pension plan rules. The risks incurred by the pension fund in relation to the death of a participant are placed with an insurer. For the partner’s and orphan’s pension, a distinction is made between
Death during your current employment Death after termination of your current employment Death after your retirement date 2.1
Death during your current employment
Your partner So long as you are employed by Hewlett-Packard Nederland B.V., the partner's pension is insured on a risk basis. This means that you do not accrue a partner's pension. Your partner will only receive a partner’s pension if you are a participant in the Premium Pension Plan at the time of death. Once you are no longer a participant, the insurance stops. Your partner will no longer receive any benefits under this insurance if you die after the termination of this insurance. Paragraph 2.2 describes what happens in case of death after the termination of your employment with Hewlett-Packard Nederland B.V. To work out the amount of the partner's pension, we calculate how many years you would have been a participant in the pension fund. We assume that you would have remained a participant until you reached the age to qualify for a state pension (AOW). We call this the potential pensionable service. For each year of potential pensionable service, your partner is entitled to 1.225% of the most recently calculated pensionable base. This partner's pension is not index-linked once it is in payment. These benefits will be paid out to your partner by an insurer for the rest of their life, from the first day of the month after your death to the month of your partner’s death.
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Example: th Suppose your employment starts on your 37 birthday and you die when you are 45 years old. Your annual salary is €40,000 at that time. Your pensionable base is therefore: €40,000 – €13,449 = €26,551 Your potential pensionable service is 67 – 37 = 30 years. Your partner’s partner's pension is therefore: 30 x 1.225% x €26,551 = €9,757.49 per year
Your partner is also entitled to a temporary partner's pension if you die during your employment. The temporary partner’s pension is a risk-based insurance. This means that you do not accrue a temporary partner's pension. Once you are no longer a participant, the insurance stops. Your partner will no longer receive any benefits under this insurance if you die after the termination of this insurance. The temporary partner’s pension amounts to €10,500 per year (reference date 1 January 2014) for a participant working full time. If on the reference date you are working less than what counts as full time for your employer, this amount is multiplied by the part-time factor as defined in Chapter 5.1. For benefits that are not yet in payment the amount of the temporary partner's pension will be adjusted on 1 January each year by the percentage by which the consumer price index (CPI all households, derived series) for the month of October deviates from the same price index figure for the month of October of the previous year. This increase does not apply to pensions already in payment. Your children During your employment, the orphan’s pension is also a risk-based insurance. This means that if you die while you are a participant in the Premium Pension Plan, your children will receive an orphan’s pension. The orphan’s pension per child is equal to 20% of the potential partner's pension on a risk basis. This orphan's pension is not index-linked once it is in payment. An insurer pays the orphan’s pension to children up to the end of the month in which they turn 18. Older children still in education receive an orphan’s pension until they are 27, or until they have th finished studying if this is earlier. Disabled children also receive an orphan’s pension up to their 27 birthday. Example: Suppose your partner’s partner's pension is: 30 x 1.225% x €26,551 = €9,757.49 The orphan’s pension is therefore: 20% x €9,757.49 = €1,951.50 per year per child
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2.2 Death after termination of your current employment If you die after your employment is terminated, but before your retirement date, the pension capital existing at that time will be used to purchase one or more pensions. Pensions for your partner and/or your children will be purchased from an insurer. The amount of the pensions is not known in advance. The amount of the benefit depends partly on the size of the pension capital at the time of your death. These benefits will be paid out to your partner for the rest of their life, from the first day of the month after your death to the month of your partner’s death. Your children will receive an orphan’s pension up to the end of the month in which they turn 18. Older children still in education receive an orphan’s pension until they are 27, or until they have finished th studying if this is earlier. Disabled children also receive an orphan’s pension up to their 27 birthday. Your temporary partner’s pension insurance will terminate as soon as your employment ends. If you die after the termination of your employment, your partner will not receive any temporary partner's pension benefits.
2.3 Death after your retirement date As soon as you retire, part of your pension capital will be used to purchase a partner's pension. If you die after your retirement date, your partner will be entitled to the partner's pension that you purchased upon retirement. If, upon retirement you do not need the (full) partner’s pension, for instance because you do not have a partner, you can decide to just purchase a retirement pension. If you have a partner, he or she must agree to your purchasing a reduced partner's pension or none at all. The standard partner's pension upon retirement is 70% of the retirement pension purchased from the pension capital. These benefits will be paid out to your partner for the rest of their life, from the first day of the month after your death to the month of your partner’s death.
3 What amount of pension can you expect in case of disability? If you are unable to work (fully) due to disability, your current employment may be (partially) terminated. You are then entitled to two provisions from the pension fund:
Continued contribution-free accrual of your pension capital Disability benefit (WIA) top-up insurance 3.1 Contribution-free continuation in case of disability If you become sick or disabled, you remain a participant in the Premium Pension Plan. You are disabled if you are sick for two years and are entitled to disability benefits under the WIA (Work and Income (Capacity for Work) Act). If you become totally disabled, the accrual of the balance of your pension account is fully continued. If you become partially disabled, the accrual of the balance of your pension account is partially continued. You will no longer pay participant contributions on the portion corresponding to your disability percentage. If you remain in employment with your employer for the part for which you are not disabled, you participate in the Premium Pension Plan and the WIA top-up scheme as normal. If you become disabled, you are entitled to a disability benefit under the Work and Income (Capacity for Work) Act (WIA). The Employee Insurance Agency (UWV) determines the percentage of your disability. The pension fund uses this percentage to determine the proportion by which the balance of your pension account continues to accrue. The table below shows the percentage by which the accrual of the balance of your pension account continues if you are disabled.
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What is your percentage of disability?
What is the percentage by which the pension accrual will continue? %
80 to 100% 65 to 80% 55 to 65% 45 to 55% 35 to 45% 0 to 35%
disabled disabled disabled disabled disabled disabled
100.0 72.5 60.0 50.0 40.0 0.0
Example: If you are 80 to 100% disabled (i.e. totally disabled), the accrual of your pension capital will continue in full. The partner’s pension, temporary partner’s pension and orphan’s pension will also remain insured so long as you are totally disabled. If you are 55 to 65% disabled, the accrual of your pension capital will continue at 60%. The partner’s pension, temporary partner’s pension and orphan’s pension will also remain 60% insured so long as you are disabled. You will remain 40% employed by the employer and receive a salary. The normal contribution will be calculated based on that salary. The partner’s pension, temporary partner’s pension and orphan’s pension will also remain 40% insured. Your pension accrual will therefore continue in full. If your employment is terminated, your pension accrual will only continue for the proportion for which you are disabled.
3.2 Disability benefit (WIA) top-up pension The statutory disability benefit (WIA or WGA) amounts to a maximum of 70% of the maximum annual wage for benefits: €51,417 (reference date 1 January 2014). If your pensionable annual salary is above this threshold, you are entitled to a disability benefit (WIA) top-up pension. You will receive the disability benefit (WIA) top-up pension from an insurer. So long as you receive statutory disability benefit from the government, you are entitled to the disability benefit (WIA) top-up pension. The pension payments stop when you reach the age to qualify for a state pension (AOW). In case of total disablement, the disability benefit (WIA) top-up pension amounts to 70% of the difference between your pensionable annual salary and the maximum annual wage. This disability benefit (WIA) top-up pension is not index-linked once it is in payment. If you are partially disabled, you will receive a lower percentage. The percentages correspond to the table for contribution-free continuation in case of disability. Example: Suppose you are 70% disabled and your full-time annual salary is €54,000. Your disability benefit (WIA) top-up pension will be: 72.5% x 70% x (€54,000 – €51,417) = 72.5% x 70% x €2,583 = €1,310.87 per year
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4
What do I do now?
4.1 Bring your old pension with you Did you work somewhere else before? If so, you probably accrued a pension through your previous employer. You can transfer this pension to Stichting Pensioenfonds Hewlett-Packard Nederland. This is called a value transfer. Read on to find out more. Is it sensible to transfer your old pension? This depends on the differences between the pension schemes. When you are aware of the differences between your old pension scheme and the Premium Pension Plan, you can make a sensible decision. Questions to consider:
Is the retirement age different? What are the details of the survivor’s pension? Is the annual increase (indexation) of the pension scheme different? Would you prefer to have just one pension administrator or would you not mind receiving your pension from several pension administrators?
How will the value transfer affect you financially? We can work this out for you. If you would like us to do this, ask us for a quotation within six months after the start of your employment. We will then ask your previous pension administrator for a statement of your pensions. We will use the data from your previous pension administrator to draw up the quotation. Please bear in mind that it can take up to five months from the time we receive your request before you receive the quotation. If you accept our quotation, simply sign it. We will then arrange the value transfer for you. The value of your previous pensions will be paid into your pension account with Robeco. Pension funds are not allowed to cooperate with a value transfer if a pension fund is in financial difficulties. In that case, no value transfers can come into a pension fund and no value transfers can go out of the pension fund. As soon as the pension fund’s financial situation has recovered, you will be notified and can then request the value transfer again. 4.2 Register your partner As you may have read in Chapter 2, your partner is entitled to a partner's pension after your death. So, it is important to ensure your partner is registered with the pension fund. The letter you have received with this brochure shows whether your partner is registered with the pension fund. If these details are incorrect, you can pass on your partner’s correct details to the administrator of the pension fund. If you are cohabiting and not married, you should register your partner with the pension fund. Simply send a letter containing your partner’s details and a copy of your cohabitation agreement to: Stichting Pensioenfonds Hewlett-Packard Nederland c/o AON Hewitt PO Box 12079 1100 AB AMSTERDAM You can e-mail a digital copy of your cohabitation agreement to the pension fund at
[email protected].
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Changes to your job or personal situation
5.1 What if I decide to work part-time? If you decide to work part-time, this will be reflected in the amount of the annual contribution. In this case, the payment into your pension account will be proportionately lower than if you work full-time. This also applies to the level of the partner’s pension, temporary partner’s pension and orphan’s pension and to the disability benefit (WIA) top-up pension. 5.2 What if I split up with my partner? The consequences for the partner's pension If your relationship ends before your retirement date, your ex-partner is entitled to the value of the partner's pension. This applies even if you were unmarried but cohabiting and there was a cohabitation contract. We call this a special partner's pension. In order to determine the value of the special partner's pension, it is calculated which pensions can be purchased on the date of the split. The value of the partner's pension for life will then be deducted from your pension capital. The value of your ex-partner’s partner's pension will be administered separately. Upon your death, this capital will be used to purchase a special partner's pension for your ex-partner. If your relationship ends after your retirement date, your ex-partner will be entitled to the partner's pension for life that you purchased upon retirement. Naturally, your ex-partner will not be entitled to a partner's pension if you did not purchase a partner's pension upon retirement. The consequences for your retirement pension If your marriage or registered partnership ends, your ex-partner will be entitled to half of the pension capital accrued by you during your marriage or partnership. This is known as equalisation of retirement pension. The value of the pension capital after deduction of the special partner's pension is taken as a basis. By law, equalisation does not apply to unmarried participants who are cohabiting. However, you and your ex-partner can request the pension fund to divide the pension capital. 5.3 What will happen to my pension capital upon termination of my employment contract? If your employment contract is terminated, you cease to be a participant in the Premium Pension Plan and the WIA top-up scheme. No further deposits will be made. The pension capital you have accrued in your pension account will remain and fluctuate depending on the investment returns. There is no charge for this. The risk-based insurance of the partner’s pension, temporary partner’s pension, orphan’s pension and disability benefit (WIA) top-up pension will also terminate. If your employment contract is terminated due to disability, you remain a participant in the Premium Pension Plan and the WIA top-up scheme. Chapter 3 explains what will happen. The risk-based insurance of the partner's pension, temporary partner's pension, orphan’s pension and disability benefit (WIA) top-up pension will also continue. What if I decide to work for another employer? If you go to work for another employer, they will probably have a pension scheme too. If so, you can choose to take your pension capital from Stichting Pensioenfonds Hewlett-Packard Nederland with you to your new employer’s pension scheme. This is called a value transfer. When you join your new employer’s pension scheme, your new pension administrator will give you more information about the value transfer. Apply for the value transfer to the pension administrator of the new employer. If you agree to the value transfer, the existing pension capital will be transferred to your new employer’s pension scheme.
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Your options
6.1 Early retirement Your pension will normally become payable on the first day of the month following the month in which you reach the age to qualify for the state pension as set out in the Old Age Pensions Act (AOW). If you wish to opt for early retirement, you should submit a request to the pension fund. The earliest th date of early retirement is your 55 birthday. If you retire before the first day following the month in which you reach the age to qualify for a state pension (AOW), you must actually stop work from that date. Please remember that your pension will be lower if you opt for early retirement. 6.2 Lower partner's pension At retirement date, the pension capital accrued up to that moment is used to purchase a retirement pension for life and a partner's pension for life. The standard amount of the partner’s pension is 70% of the retirement pension. Alternatively, you can opt to purchase a lower partner’s pension. If you have a partner, he or she must provide a signed approval form in writing. The pensions acquired must be tested for compliance with tax law and legal requirements. The pension plan rules include a maximum for each type of pension. 6.3 Part-time retirement You can also take part-time retirement. This means that you work part-time for instance between your th 60 birthday and the month following the month in which you reach the age at which you qualify for a state pension according to the AOW. You agree with your employer how many hours you will continue to work. You cannot come to an agreement with the pension fund about this. If, for example, you continue to work 60% of your original working hours per week, you can take part-time retirement for 40%. This means that you can use 40% of the pension capital accrued at that time to purchase a pension benefit from an insurer (combined with a partner's pension if applicable). You continue to participate in the Premium Pension Plan for 60%. Your pension capital continues to accrue for this part. More information about this is contained in the pension plan rules. This part-time retirement must last at least 6 months. If you have agreed on part-time retirement with your employer, you can submit a request for this pension to the pension fund. You should do this at least 6 months before you want to start part-time retirement. 7
Other information
7.1
What information needs to be supplied by both parties?
What information do I need to supply? You are obliged to give the pension fund all information necessary for the administration of the pension scheme. If, for instance, you move house, become disabled, have an existing/new partner, have existing/new children or split up with your partner. If you find any inaccuracies in the information sent to you by the pension fund, you are also obliged to report this as soon as possible. You can ask the pension fund exactly what information you need to give them. What information will I receive about my pension? In any case, you will receive a Uniform Pension Statement (UPO) from the pension fund each year. This statement provides an insight into your pay-out upon retirement and during disability, and the benefit that your partner and/or children (if any) will receive after your death. All pension funds and insurers in the Netherlands use the same format. This serves to clarify your pension situation and makes your financial planning easier. Once your contract of employment with Hewlett-Packard Nederland B.V. is terminated, you will no longer receive a statement every year, but every five years. After retirement you will receive an annual pension statement from the insurer you have purchased your pension from.
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What information does the pension fund generally have to give me? If you require any further information, you can contact the pension fund. They can send you the following information: The rules of the Premium Pension Plan The annual report and annual financial statements The Pension Administration Agreement between de employer and the pension fund. A calculation of the consequences of the options you have chosen. For instance, if you opt for part-time retirement or to retire early. Information that is specifically relevant to you If the regulator has issued the pension fund with a notice. This means that the regulator believes that the pension fund is doing something wrong and sets out what will happen. If an administrator has been appointed by a court for the pension fund. How the pension fund handles complaints. What information can the pension fund give me about my pension account? The following information is available: If you have opted for ‘Self-Managed’, information about your investments. Robeco will inform you at least once a year whether your investments still match your client and risk profile. Information about the investments and advice concerning investment options, the actual recommended mix, the risk situation and the costs associated with the investments. An indication of the potential pension capital on the retirement date and the assumptions on which this is based. There is a risk that the actual pension capital may be lower. An indication of the pensions that can be purchased with the pension capital accrued on the retirement date and the assumptions on which this is based. There is a risk that the pension you can actually purchase may be lower. 7.2 What if I have a complaint? If you do not agree with a decision of the pension fund, you can complain to the pension fund. The complaints regulations set out exactly what you have to do and what will happen to your complaint. These complaints regulations are available on request from the pension fund. 7.3 Useful addresses Here are some useful addresses: Stichting Pensioenfonds Hewlett-Packard Nederland c/o AON Hewitt attn Pension Administration PO Box 12079 1100 AB AMSTERDAM Telephone: 020 430 54 72 Ministry of Social Affairs and Employment PO Box 90801 2509 LV THE HAGUE Telephone: 070 333 44 44 Website: www.minszw.nl Sociale Verzekeringsbank To find your local branch, go to www.svb.org UWV (Employee Insurance Agency) To find your local branch, go to www.uwv.nl. Or call: 0900 9294
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Pensions Ombudsman Bordewijklaan 10 2591 XR THE HAGUE Telephone: 070 333 89 65 Website: www.ombudsmanpensioenen.nl This brochure only contains the main information about the Premium Pension Plan and the WIA topup scheme. You cannot derive any rights from the contents of this brochure. The pension plan rules of the 2014 Premium Pension Plan prevail. If you still have any questions, you should contact the administrator of the pension fund (telephone number: 020 430 54 72), e-mail:
[email protected]. Detailed information about your pension scheme is available from the pension fund’s website: www.hp-pensioenfonds.nl. You can download the full pension plan rules there. If you have any further questions about the investment of your pension capital, you should read Robeco’s brochure ‘Uw pensioen en Flexioen’ or go to: www.robeco-flexioen.nl. You can call Robeco on 0800 8010.
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