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Breaking up

Breaking up and your pension

Are you divorced? Has your registered partnership ended? Or are you not cohabiting anymore? This could have consequences for your pension. It's important to know what arrangements to make.

What does a divorce mean for your pension?

What does a divorce mean for your pension?

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Discover what you need to do

To simplify things for you, after answering a few questions, you'll find out what's coming up. And if there's anything else you need to take care of.

Are you already separated?

This means you are legally divorced, your registered partnership has ended, or you are no longer living at the same address.

What is a waiver?

A waiver for the partner's pension is a formal declaration where your ex-partner officially renounces the right to the special partner's pension accrued during your time together. This means that your ex-partner will not receive a partner's pension upon your passing. Your ex-partner must sign the form themselves and send it to Zwitserleven.

You can find the waiver here. Once your ex-partner has completed it, you can upload the form in MijnZwitserleven.

Special partner's pension

Special partner's pension refers to the part of the partner's pension that your ex-partner will receive if you pass away. It includes the partner's pension accrued up to the end of your relationship and will be paid out for the duration of your ex-partner's life.

What is a notification form?

This form allows you to inform us that you are divorced or that your registered partnership has ended, and that you wish to have the old-age pension divided.

You can find the notification form notification form on the website www.rijksoverheid.nl.

Cohabitation agreement

To ensure your partner is eligible for a partner's pension upon your passing, a cohabitation agreement is required. This agreement officially establishes that you are living together and that your partner has the right to the partner's pension. You must meet certain conditions, such as living together for at least six months and being registered at the same address with the municipality. Additionally, your partner should not be a direct blood relative or in-law.

You can obtain a cohabitation agreement from a notary. Once you have it, you can upload it here.

What is a divorce agreement?

A divorce agreement, also known as a separation agreement or divorce contract, is a written document between two partners who are divorcing. It records all the arrangements that will apply after the divorce, such as alimony, division of assets and debts, the home, and the division of the pension and partner's pension.

This document is legally binding and necessary for us to divide the pension according to your agreement.

The pension provider doesn't require the entire divorce agreement. Please send at least the following pages:

  • The first page with your and your ex-partner's names
  • The page with the pension arrangements
  • The last page with both your signatures

Conditions for dividing the old-age pension

When is it not possible to divide the old-age pension?

  1. If the old-age pension amount falls below the surrender threshold after division. If the ex-partner's portion of the old-age pension is less than € 632.63 per year (amount for 2026) after division, there is no entitlement to divide the old-age pension. In such cases, the pension provider will not divide the old-age pension.

  2. If the arrangements for dividing the old-age pension are not submitted within 2 years after the end of the marriage or registered partnership.

    If you submit the arrangements for dividing the old-age pension after 2 years, the standard rules apply, but we will not handle the division for you. You will need to pay the pension your ex-partner is entitled to from your retirement date yourself. This can be complicated, as you will need to calculate the amount and manage the payment to your ex-partner through your tax return.

  3. If the old-age pension was not accrued during the marriage or registered partnership.

Divorce or end of registered partnership

After divorce or termination of the registered partnership, your ex-partner is entitled to part of the old-age pension and partner’s pension.

Read more

End of cohabitation

If you are no longer cohabiting, your ex-partner is entitled to a partner’s pension. You can agree to waive this right together. 

Read more

Reporting your break-up

When you break up, lots of things will have to be arranged. Like the apportionment of your pension. Upload your divorce papers or waiver of special partner's pension.

Upload your documents