Extra pension until your partner gets state retirement pension
If you pass away, your partner gets a life-long partner pension from PME. You can also take out insurance for a temporary additional partner pension (Anw gap). If you pass away, your partner gets a temporary additional partner pension in addition to the life-long partner pension from PME until they get state retirement pension.
Why should I opt for temporary additional partner pension?
If you pass away, your partner gets a life-long partner pension from PME. Your partner may also be entitled to a life-long partner pension from other pension funds. You can find out the amount of that pension at Mijnpensioenoverzicht.nl. If Mijnpensioenoverzicht.nl does not have all your details, please contact one of our experts.
In addition, your partner may be entitled to a (partial) Surviving Dependants Act (Anw) benefit from the government. Go to SVB.nl for more information about the Surviving Dependants Act (Anw) benefit.
The life-long partner pension and the Anw benefit combined may not be enough for your partner to get by on after your death. In that case, you can opt for temporary additional partner pension.
Temporary additional partner pension is not essential for everyone
Does your partner have sufficient income after your death or have you taken out other insurance of your own accord or through your employer? Then they will probably not need a temporary additional partner pension. Temporary additional partner pension is not a solution for extra income for your partner after their state retirement age. This is because this additional scheme stops automatically when they reach state retirement age.
When should I opt for temporary additional partner pension?
Already accruing a pension with us and getting married or entering into a registered partnership? You will automatically receive a quotation for the temporary additional partner pension from us. This also applies if you are a new participant and your partner is known to us or if you decide to live together later and register your partner with us.
- Do you have a pension number? Fill in the application form and send it to us. You can complete the application within just a few minutes.
- You can find the pension number under the heading 'reference' at the top of our letters.
- On the form, you can choose from 3 different insured amounts.
Please note: apply for the temporary additional partner pension within 3 months after getting a new job, getting married or entering into a registered partnership. If you do, a medical check-up will not be necessary. After those 3 months, declarations of medical history may be required.
You choose the amount yourself
On the application form, you can choose between 3 different amounts. You choose the amount your partner needs. The quotation you received from us tells you the contribution you have to pay for each of the three amounts. You can contact one of our experts if you have any questions about this – even if you have not received a quotation.
Applying for temporary additional partner pension without a pension number
New employee? Not got a pension number yet? Still want to insure temporary additional partner pension now? You can download a separate application form for this. You can use this to apply for provisional insurance. Fill in this application form and email it to tep@tkppensioen.nl.
Once your employer registers you with us as a new employee, we will send you a confirmation that the temporary additional partner pension has been finalised.
Continuing the temporary additional partner pension when you retire
Do you retire and has your partner not yet reached the state retirement age? Then it may be wise to continue the additional partner pension. This pension will then continue until your partner reaches their own state retirement age. We will then deduct the contribution from your pension payment.
More information
In this video, pension consultant Rob van der Wal explains how to insure extra partner pension. Your partner gets this amount when you die until they start receiving their own state retirement pension.
Insurance for extra partner pension is also called voluntary Anw gap insurance. Your partner will get this extra partner pension temporarily, until they receive state retirement pension. You can choose which amount you want to insure:
- €8,500 gross per year.
- €13,700 gross per year.
- €19,000 gross per year.
- Check out how much partner pension your partner will get if you pass away.
- Would you like to arrange extra partner pension? Choose an amount and fill in the application form (pdf).
- Your employer will deduct the insurance contribution from your gross salary every month.
- We may ask for additional medical information. This will not be necessary if you arrange the insurance quickly:
- Are you new to PME? Then arrange the insurance within 3 months after you get our 'Welcome letter'.
- Did you move in with a partner, get married or start a registered partnership? Then arrange the insurance within 3 months.
You cannot take out the insurance with us if your employer has arranged extra partner pension with another party. Ask your employer where you can take out the insurance.
- Your contribution depends on your age and that of your partner, and on the amount you want to insure.
- Calculate your contribution using the calculation sheet.
- You can also contact us for a personal calculation of your contribution.
- In case of a divorce or termination of registered partnership, we automatically end the insurance. Were you living together or did you get divorced abroad? Then please let us know.
- Did you get a new job within the sector? Then the insurance will stop automatically. You can re-apply for the insurance.
- Did you get a new job outside the sector? Then you can continue the insurance on a voluntary basis for up to 3 years. You will then need to accrue voluntary pension. You will pay the full contribution yourself.
- If you lose your job and get unemployment benefit, you can continue to build up pension with us. Insurance for temporary additional partner pension continues free of charge for as long as you receive unemployment benefits.
- When you retire, you can continue the insurance until your partner gets state retirement pension. You will then pay the full contribution yourself.
- You can change the insurance. You can insure a higher or lower temporary additional partner pension. Inform us of the change using the Change additional partner pension insurance form.
- Do you want to stop the insurance? You can do so every month. Inform us using the Stop additional partner pension insurance form.