Exchanging pension

To exchange partner pension, you need your partner’s consent. The reverse is also possible. You can exchange part of your retirement pension for a higher partner pension, provided the partner pension does not exceed 70% of the retirement pension after the exchange.

The latter can make sense if, for example, you have a new partner after a divorce. For this new partner, the accrued partner pension may be comparatively low, because part of the partner pension has become ‘special partner pension’ to which your ex-partner is entitled. Read more >

In the top-up schemes, you have a similar option. On retirement, you can choose to use the accrued capital to purchase only a retirement pension or a retirement and partner pension. Would you like to use the exchange option? Please indicate this 6 months before your desired retirement date by sending an e-mail to robecopensioen@achmea.nl.

An indication of the effects of exchange:

• Exchange of the full partner pension into retirement pension starting at age 67 yields about 25% more retirement pension (factors 2023).
• Exchange of €100 old-age pension into partner pension yields about €405 extra partner pension at age 67. The partner pension cannot exceed 70% of the old-age pension.
• Switching an old-age pension to a higher partner pension can be interesting, for instance, if you are divorced and have a new partner. The regular partner pension is then lower because your ex-partner is entitled to a special partner pension.