Pension scheme
Every relevant detail regarding your pension arrangements can be found on our website. Would you like to know even more? Go to Pensioen 1-2-3.
Short overview of the pension scheme
Every year you accrue a part of your pension. When you retire, you receive a monthly pension from us for the rest of your life. Check out how much pension you will get on the website.
You decide when you want to retire. When considering retirement, it makes sense to use the statutory retirement age as a guide. This is why we will inform you about your pension six months before you reach your statutory retirement age. However, you also have the option of retiring earlier or later. You can retire from the age of 55. Your pension must commence within five years of you reaching your statutory retirement age.
If you die, your partner will receive a partner’s pension for as long as they live. Your children will receive a survivor’s pension. You can also insure a temporary supplementary partner’s pension (Anw-hiaatpensioen) until your partner receives statutory old-age pension (AOW).
Log in and see how much money your partner and children will receive if you die.
- If you become incapacitated for work for 35% or more, you may continue to accrue pension (partially or entirely). We pay the premium for the part for which you are incapacitated for work.
- If you become unemployed and do not accrue a pension with a new employer, you can choose to continue to accrue pension with us (partially or entirely at your own expense). If you receive unemployment benefits, sickness benefits or PAWW benefits after you have become unemployed, PME pays half of the premium.
- If you receive unemployment benefits (WW), you can carry on accruing pension. You pay half of the contributions yourself.
A lot can happen until your retirement: to the economy, interest rates, and the value of our investments. If all goes well, you get more pension. But in case of setbacks, you may get less. Even after retirement your pension is not set in stone.
Up to a salary of € 95,236 (2025), you accrue pension in the average scheme. If you earn more, we also have a pension plus scheme: the ‘Pension accrual over the salary threshold’ scheme. Your employer can join this scheme voluntarily. Ask your employer if he has joined this pension scheme. In that case you do not have to take any further action.
More information about the pension plus scheme can be found in Pensioen 1-2-3.
Want to know even more? Check out Pensioen 1-2-3
Pensioen 1-2-3 is a summary of the pension scheme. In Pensioen 1-2-3 you can read what you do and do not get in our pension scheme. Pensioen 1-2-3 consists of 3 tiers.