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 premium 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.
Please note: on 1 January 2027, the insured amounts will be lowered. This is because, in the new scheme, a standard temporary partner’s pension €5,000 per year is included. That was not the case under the old scheme. If you would like to make a different choice, please use the Change additional partner pension insurance form.
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 premium from your pension payment.
The temporary additional partner pension will be transferred to the new scheme
PME is targeting a switch to the new pension scheme on 1 January 2027. We will then get a new pension scheme. You can also insure temporary additional partner pension in the new scheme. If you arrange it now, the insurance will automatically transfer to the new scheme on 1 January 2027. You will hear from us around the switch what that means for you.
Je kiest zelf het bedrag
Je kunt op het aanvraagformulier kiezen uit 3 verschillende bedragen. Je kiest het bedrag dat je partner nodig heeft. In de offerte die je van ons hebt ontvangen, staat de premie die je voor elk van de 3 bedragen moet betalen. Je kunt contact met één van onze experts opnemen als je hierover vragen hebt. Dat geldt ook als je geen offerte hebt gehad.
Let op: vanaf 1 januari 2027 verlagen we de verzekerde bedragen. Dat doen we omdat er in de nieuwe regeling standaard een tijdelijk partnerpensioen is van 5.000 euro per jaar. Dat was in de oude regeling niet zo. Wil je het verzekerde bedrag aanpassen? Geef de wijziging door met het formulier Wijzigen verzekering extra partnerpensioen.
Tijdelijk extra partnerpensioen aanvragen zonder pensioennummer
Ben je nieuw in dienst en heb je nog geen pensioennummer, maar wil je wel alvast tijdelijk extra partnerpensioen verzekeren? Je kunt hiervoor een apart aanvraagformulier downloaden. Je bent dan voorlopig verzekerd. Vul dit aanvraagformulier in en mail het naar tep@tkppensioen.nl.
Wanneer je werkgever jou bij ons aanmeldt als nieuwe medewerker, ontvang je van ons een bevestiging. Daarmee is het tijdelijk extra partnerpensioen definitief geregeld.
Voortzetten tijdelijk extra partnerpensioen als je met pensioen gaat
Ga je met pensioen en heeft je partner de AOW-leeftijd nog niet bereikt? Dan is het misschien verstandig het tijdelijk extra partnerpensioen voort te zetten. De voortzetting loopt dan door tot je partner de AOW-leeftijd bereikt. We houden de premie dan in op je pensioenuitkering.
Het tijdelijk extra partnerpensioen gaat mee naar de nieuwe regeling
PME stapt naar verwachting op 1 januari 2027 over op de nieuwe regels voor pensioen. We krijgen dan een nieuwe pensioenregeling. Ook in de nieuwe regeling kun je tijdelijk extra partnerpensioen verzekeren. Regel je het nu al? Dan gaat de verzekering op 1 januari 2027 automatisch mee naar de nieuwe regeling. Wat dat precies voor jou betekent, hoor je rond de overstap van ons.
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:
- €9,700 gross per year.
- €15,600 gross per year.
- €21,500 gross per year.
Please note: on 1 January 2027, the insured amounts will be lowered. This is because, in the new scheme, a standard temporary partner’s pension €5,000 per year is included. That was not the case under the old scheme. If you would like to make a different choice, please use the Change additional partner pension insurance form.
- 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 premium depends on your age and that of your partner, and on the amount you want to insure.
- Calculate your premium using the calculation sheet.
You can also contact us for a personal calculation of your premium.
Please note: on 1 January 2027, the insured amounts will change, and therefore also the premium for this insurance. In November 2026, the new insured amounts can be found here.
- 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.