Exchanging Partner's pension

You can adjust your pension after the retirement age to fit your personal situation by exchanging pension benefits.

• If a partner's pension has been accrued and no partner's pension is needed, the partner's pension can be exchanged for a higher old-age pension. In this case, your partner will receive less or no pension upon your death, provided that your partner agrees to this arrangement.
• If no partner's pension has been accrued and there is a need for a partner's pension after your death, a portion of the old-age pension can be exchanged for a partner's pension. The partner's pension cannot exceed 70% of the old-age pension. You will receive a lower old-age pension when exchanging old-age pension for a partner's pension.

It is important to note that (part of) the partner's pension may not be exchangeable. This usually applies to partner's pension accrued before January 1, 2002. Partner's pension accrued after this date is generally exchangeable.

Read more about arranging partner pension for your partner

Factors for exchanging and commutation of pension 

How much pension will you receive if you exchange partner pension for additional old-age pension? Or a share of your lifelong old-age pension for partner pension? Use the tables below for this purpose.

• Do you have a final pay scheme or average pay scheme?
• Do you have a scheme with only surviving dependants' pension on a risk basis?
• Do you have a scheme based on capital with a guaranteed return?
• Do you have a scheme with ZekerheidZwitch?
• Do you have a defined contribution scheme with PensionZekerheid?
• Attachment commutation pensions final scheme or average pay 65
• Attachment commutation pensions final scheme or average pay 67
• Attachment commutation pensions final scheme or average pay 68