{"id":5234,"date":"2025-10-01T12:26:27","date_gmt":"2025-10-01T10:26:27","guid":{"rendered":"https:\/\/spin.nl\/frequently-asked-questions-2\/"},"modified":"2026-01-22T10:27:32","modified_gmt":"2026-01-22T09:27:32","slug":"frequently-asked-questions-2","status":"publish","type":"page","link":"https:\/\/spin.nl\/en\/frequently-asked-questions-2\/","title":{"rendered":"Frequently Asked Questions"},"content":{"rendered":"<section class=\"l-section wpb_row height_auto\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-separator size_huge\"><\/div><div class=\"g-cols wpb_row via_grid cols_1-5 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--columns-gap:3rem;\"><div class=\"wpb_column vc_column_container us_custom_a69c1148 type_sticky\"><div class=\"vc_column-overlay\" style=\"background:linear-gradient(180deg, #0066B0 0%,#1890d8 100%)\"><\/div><div class=\"vc_column-inner\"><\/div><\/div><div class=\"wpb_column vc_column_container type_sticky\"><div class=\"vc_column-inner\"><div class=\"w-search for_list layout_simple us-field-style_2 us_custom_698d2ad8 iconpos_right live_search change_url_params\"><form class=\"w-form-row for_text\" role=\"search\" method=\"get\"><div class=\"w-form-row-field\"><input aria-label=\"Search through frequently asked questions\" name=\"list_search\" placeholder=\"Search through frequently asked questions\" type=\"text\" value\/><\/div><button class=\"w-search-reset\" type=\"button\" aria-label=\"Reset\"><\/button><button aria-label=\"Search\" class=\"w-search-form-btn w-btn\" type=\"submit\" style=\"--icon-size:18px;\"><i class=\"fas fa-search\"><\/i><\/button><\/form><div class=\"w-search-message hidden\"><\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"w-grid us_post_list apply_url_params type_grid layout_3939 cols_1 pagination_load_on_scroll preload_style_placeholders with_css_animation\" id=\"us_post_list_afb3\" style=\"--columns:1;--gap:1.5rem;\"><style>.layout_3939 .w-grid-item-h{}.layout_3939 .usg_post_custom_field_1{color:var(--color-alt-content-secondary)!important;font-size:23px!important;font-weight:700!important}.layout_3939 .usg_html_1{margin-top:1rem!important}.layout_3939 .usg_html_2{margin-top:2rem!important}<\/style><div class=\"w-grid-list\">\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4946 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-general\" data-id=\"4946\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">What can you find in MySPIN?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201097d1b5\">\n        <span class=\"ponck-readmore__teaser\">On your personal page behind the login you can see your most important pension information at a glan\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201097d1b5-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201097d1b5-content\" class=\"ponck-readmore__content\" hidden>\n          On your personal page behind the login you can see your most important pension information at a glance. How much pension you have, whether it is enough, what your state pension age is and what is arranged for your survivors. You can also arrange more yourself. For example, change your correspondence address, register your partner or adjust your bank details. Do you have a DC capital? Then you can use the Pension Planner to see how extra contributions or a different investment profile will affect the amount of your pension. You will also find the Investment Guide here. Here you can determine which investment profile suits you best.                 <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4545 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-lump-sum\" data-id=\"4545\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">The \"lump sum\"; what is that anyway?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201097dc47\">\n        <span class=\"ponck-readmore__teaser\">You may get a new pension choice with it. The law for this has yet to be approved by the Senate. The\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201097dc47-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201097dc47-content\" class=\"ponck-readmore__content\" hidden>\n          You may get a new pension choice with it. The law for this has yet to be approved by the Senate. The choice that will be added is the option to withdraw part of your pension in one lump sum. We call that lump sum. What does this new choice actually mean?    \n\nWith the lump sum, you can have up to 10% of your accrued retirement pension paid into your account. You can spend this amount as you wish, paying off your mortgage for example, buying solar panels or traveling. However, it is important to realize that your monthly pension benefit will be lower if you withdraw a lump sum. You may also have to pay more tax (temporarily) and lose the right to benefits. In these frequently asked questions, we take you through what is known so far about the lump sum.              <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4548 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-lump-sum\" data-id=\"4548\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">Can everyone make this retirement choice?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201097e63c\">\n        <span class=\"ponck-readmore__teaser\">Yes, but after the lump sum is paid, your retirement pension must remain higher than \u20ac613.52 gross p\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201097e63c-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201097e63c-content\" class=\"ponck-readmore__content\" hidden>\n          Yes, but after the lump sum is paid, your retirement pension must remain higher than \u20ac613.52 gross per year (amount 2025). Also, you cannot combine this pension choice with the choice for a high-low pension. High-low means that you receive a higher benefit in the first years of your pension and a lower benefit in the years after. If you have a DC capital, you can choose a lump sum from the insurer where you will purchase your pension.             <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4550 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-lump-sum\" data-id=\"4550\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">When can I withdraw a lump sum?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201097efb9\">\n        <span class=\"ponck-readmore__teaser\">You will soon be able to withdraw a lump sum when you retire, January 1, 2029 at the earliest. This\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201097efb9-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201097efb9-content\" class=\"ponck-readmore__content\" hidden>\n          You will soon be able to withdraw a lump sum when you retire, January 1, 2029 at the earliest. This date is not yet certain. The latest date you should retire is your state pension age.            <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4552 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-lump-sum\" data-id=\"4552\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">Can I also defer the lump sum to a time after my state pension date?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201097f996\">\n        <span class=\"ponck-readmore__teaser\">Yes, you can, but only if you let your pension start on your state pension date. You can then defer\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201097f996-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201097f996-content\" class=\"ponck-readmore__content\" hidden>\n          Yes, you can, but only if you let your pension start on your state pension date. You can then defer the lump sum until January of the year following your state pension date. The advantage of postponing is that you will pay less tax on the lump sum after the state pension date.            <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4948 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-lump-sum\" data-id=\"4948\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">What happens if I defer the lump sum and I die before the payment date?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201098041a\">\n        <span class=\"ponck-readmore__teaser\">If you die in the meantime, the lump sum will not be paid to your dependents. This is not allowed by\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201098041a-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201098041a-content\" class=\"ponck-readmore__content\" hidden>\n          If you die in the meantime, the lump sum will not be paid to your dependents. This is not allowed by law. However, your dependents will receive a subsequent payment. This payment consists of the difference between the retirement pension you receive and the pension benefit you would have received if you had not opted for a lump sum.   \n          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4950 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-lump-sum\" data-id=\"4950\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">How much can I withdraw?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f2010981071\">\n        <span class=\"ponck-readmore__teaser\">The lump sum will soon allow you to withdraw up to 10% of the value of your accrued retirement pensi\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f2010981071-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f2010981071-content\" class=\"ponck-readmore__content\" hidden>\n          The lump sum will soon allow you to withdraw up to 10% of the value of your accrued retirement pension in one lump sum. This may also be less. The option will soon exist only for your own retirement pension. Your partner or children will not be able to withdraw a lump sum if you die unexpectedly.   \n          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4943 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-lump-sum\" data-id=\"4943\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">Does this choice apply to both my DB pension and DC capital?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f2010981d72\">\n        <span class=\"ponck-readmore__teaser\">Yes, you can make this choice for both your DB pension and your DC capital. For the DB pension, you\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f2010981d72-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f2010981d72-content\" class=\"ponck-readmore__content\" hidden>\n          Yes, you can make this choice for both your DB pension and your DC capital. For the DB pension, you can later pass this choice on to SPIN. For the DC capital, you can have it included in the offer of the insurer where you buy your pension. We will transfer your total pension capital and you will receive the lump sum from your chosen insurer.             <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4945 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-lump-sum\" data-id=\"4945\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">What are the possible consequences of this choice?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201098282f\">\n        <span class=\"ponck-readmore__teaser\">The lump sum reduces your monthly pension benefit. Therefore, check carefully whether you will have\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201098282f-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201098282f-content\" class=\"ponck-readmore__content\" hidden>\n          The lump sum reduces your monthly pension benefit. Therefore, check carefully whether you will have enough pension left for the rest of your life after you take a lump sum. \n\nFurthermore, it may affect, for example, your tax return and any benefits you receive. This is because your income is increased one year by the lump sum. This can cause you to fall into a higher tax bracket and thus have to pay more tax. It may also mean that you temporarily stop receiving an allowance. If you do not spend the amount immediately, it may also have consequences for the wealth tax in box 3.              <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4555 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-lump-sum\" data-id=\"4555\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">Can I already gain insight into what it means for me personally?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109831b4\">\n        <span class=\"ponck-readmore__teaser\">At this time, we cannot say what this new choice means for you. For this we have to wait for the fin\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109831b4-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109831b4-content\" class=\"ponck-readmore__content\" hidden>\n          At this time, we cannot say what this new choice means for you. For this we have to wait for the final law.           <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4557 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-lump-sum\" data-id=\"4557\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I am thinking about retiring. Is it wise for me to wait with this until this new option is available? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f2010983b3b\">\n        <span class=\"ponck-readmore__teaser\">The intended effective date for this new option is July 1, 2026, at the earliest, but it is not yet\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f2010983b3b-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f2010983b3b-content\" class=\"ponck-readmore__content\" hidden>\n          The intended effective date for this new option is July 1, 2026, at the earliest, but it is not yet certain. It could also be later. Whether it is wise for you to wait for this is difficult to say. Also because we cannot yet name any amounts or make any calculations because the exact content of the new option is not yet known. Incidentally, the latest date at which you must retire is your state pension age.              <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4559 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-lump-sum\" data-id=\"4559\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">Does the lump sum affect the division of my pension upon divorce?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109844c0\">\n        <span class=\"ponck-readmore__teaser\">The choices you make regarding your pension also apply to your ex-partner&#039;s pension entitlement. If\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109844c0-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109844c0-content\" class=\"ponck-readmore__content\" hidden>\n          The choices you make regarding your pension also apply to your ex-partner's pension entitlement. If you choose a lump sum, your ex-partner will also receive a lump sum of his or her portion of the retirement pension. This does not apply if you and your ex-partner have opted for conversion. In that case, your ex-partner can make his or her own choice.             <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4560 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-lump-sum\" data-id=\"4560\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">If my pension is already fully vested before the law takes effect, can I still withdraw a lump sum?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f2010984dcf\">\n        <span class=\"ponck-readmore__teaser\">No, this is not possible. This option only applies to participants who retire from the moment the la\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f2010984dcf-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f2010984dcf-content\" class=\"ponck-readmore__content\" hidden>\n          No, this is not possible. This option only applies to participants who retire from the moment the law took effect.           <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4947 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-lump-sum\" data-id=\"4947\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I want to emigrate, what about the lump sum?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f2010985765\">\n        <span class=\"ponck-readmore__teaser\">Even if you are emigrating, you can opt for a lump sum. How high the lump sum will be depends on the\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f2010985765-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f2010985765-content\" class=\"ponck-readmore__content\" hidden>\n          Even if you are emigrating, you can opt for a lump sum. How high the lump sum will be depends on the country you are leaving for and how much tax you will then have to pay on the lump sum. \n          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4561 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-almost-retired faq-categorie-dc-capital\" data-id=\"4561\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">My DC capital is declining. Should I be concerned? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f2010986152\">\n        <span class=\"ponck-readmore__teaser\">Sometimes there are circumstances that can reduce the value of investments; rising interest rates, f\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f2010986152-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f2010986152-content\" class=\"ponck-readmore__content\" hidden>\n          Sometimes there are circumstances that can reduce the value of investments; rising interest rates, for example. Precisely to limit the risk of a lower pension, invest more in bonds than in shares just before the retirement date. Bonds ensure that the expected retirement income is stabilized as much as possible. This is because investing in bonds has a so-called cushioning mechanism: if interest rates rise, your bonds become worth less. But when interest rates are high, you can use your capital to buy more pension benefits from an insurer. The mechanism also works the other way around. Rises and falls in interest rates therefore have less effect on the amount of your ultimate pension benefit.      \n          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4949 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-almost-retired\" data-id=\"4949\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I want to retire soon. Where can I find more information? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f2010986b45\">\n        <span class=\"ponck-readmore__teaser\">6 months before your state pension age, we will contact you. You will then receive a (digital) lette\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f2010986b45-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f2010986b45-content\" class=\"ponck-readmore__content\" hidden>\n          6 months before your state pension age, we will contact you. You will then receive a (digital) letter with all the information about what choices you can make and what you need to do. \n\nYou can also find more information about retiring in MySPIN. You can log in with your DigiD or username and password.           <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4951 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-almost-retired faq-categorie-pension-payment\" data-id=\"4951\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">How do I know if I should apply the payroll tax credit to my pension with SPIN?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201098758e\">\n        <span class=\"ponck-readmore__teaser\">Anyone living in the Netherlands may apply payroll tax credits to their income. You determine to whi\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201098758e-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201098758e-content\" class=\"ponck-readmore__content\" hidden>\n          Anyone living in the Netherlands may apply payroll tax credits to their income. You determine to which income this discount is initially applied. It is generally recommended that you apply the discount to your highest income. But beware: with multiple incomes, the wage tax credit can cause you to have to pay additional taxes. You can read more information about this on the Tax Office's website: https:\/\/www.belastingdienst.nl\/wps\/wcm\/connect\/nl\/werk-en-inkomen\/content\/loonheffingskorting-meerdere-inkomens              <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4952 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-almost-retired faq-categorie-pension-payment faq-categorie-reporting-something-to-spin\" data-id=\"4952\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">How can I apply for or change payroll deduction from SPIN?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f2010987f53\">\n        <span class=\"ponck-readmore__teaser\">You can request or change the payroll tax credit by sending an email to info@spin.nl or through MySP\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f2010987f53-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f2010987f53-content\" class=\"ponck-readmore__content\" hidden>\n          You can request or change the payroll tax credit by sending an email to <a href=\"mailto:info@spin.nl\">info@spin.nl<\/a> or through <a href=\"https:\/\/mijn-acc.spin.nl\/ui\/employee\/overview\/change\"><em>MySPIN<\/em><\/a>. Log in with your DigiD and then click on 'Adjust wage tax credit'.           <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4954 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-reporting-something-to-spin\" data-id=\"4954\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">My partner and I have terminated our cohabitation agreement. Do I have to report this? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f2010988892\">\n        <span class=\"ponck-readmore__teaser\">Yes, you should indeed report this to us. You can do this in MySPIN under Direct arrange. To deregis\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f2010988892-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f2010988892-content\" class=\"ponck-readmore__content\" hidden>\n          Yes, you should indeed report this to us. You can do this in MySPIN under Direct arrange. To deregister your partner, we also need an end of cohabitation agreement. Via Upload documents you can send this to us.             <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4957 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-reporting-something-to-spin\" data-id=\"4957\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">How can I update my information?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201098915f\">\n        <span class=\"ponck-readmore__teaser\">You can change your contact details, correspondence address, address abroad (see also &quot;I live abroad\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201098915f-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201098915f-content\" class=\"ponck-readmore__content\" hidden>\n          You can change your contact details, correspondence address, address abroad (see also \"I live abroad. How do I communicate my new address?\"), Investment Profile (DC), payroll deduction or bank details in MySPIN under Directly arrange.          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4959 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-reporting-something-to-spin\" data-id=\"4959\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I live abroad. How do I pass on my new address? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f2010989a54\">\n        <span class=\"ponck-readmore__teaser\">If you move to or in a foreign country, we ask you to report your change of address to RNI (Non-Resi\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f2010989a54-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f2010989a54-content\" class=\"ponck-readmore__content\" hidden>\n          If you move to or in a foreign country, we ask you to report your change of address to RNI (Non-Residents Registration). We (and other Dutch government organizations) will then receive the change from RNI. You can change your address with RNI via the following website: <a href=\"https:\/\/rni-portal.rvig.nl\/nl\/myaddress\">https:\/\/rni-portal.rvig.nl\/nl\/myaddress<\/a>  \n\nAre you unable to register with the RNI or is your mailing address different from your residential address? Then please provide us with your new correspondence address via Directly arrange in MySPIN.           <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4556 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-new-pension-system faq-categorie-the-new-pension-system\" data-id=\"4556\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">You work at IBM? So what will this new pension system look like for SPIN soon? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201098a2e8\">\n        <span class=\"ponck-readmore__teaser\">As of Jan. 1, 2028, everyone builds up pension capital in a sort of personal pension pot. Your pensi\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201098a2e8-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201098a2e8-content\" class=\"ponck-readmore__content\" hidden>\n          As of Jan. 1, 2028, everyone builds up pension capital in a sort of personal pension pot. Your pension pot is invested for you and is the sum of the contributions made by you and IBM plus the return on those contributions. Return and risk from the investments differ among participants depending on their age and investment profile. The idea here is that a younger participant can take on more investment risk than an older participant. This is because a younger participant has a longer recovery period after a bad investment year. And also benefits more from higher long-term returns. An older participant benefits from more stable returns. This is similar to SPIN's current DC plan, in which investment risk is also age-related.                 <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4961 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-new-pension-system faq-categorie-the-new-pension-system\" data-id=\"4961\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">Will my SPIN pension be converted to the new plan?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201098ab91\">\n        <span class=\"ponck-readmore__teaser\">Do you work at IBM? IBM&#039;s agreement states that pensions (DB and DC) accrued up to January 1, 2028 w\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201098ab91-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201098ab91-content\" class=\"ponck-readmore__content\" hidden>\n          Do you work at IBM? IBM's agreement states that pensions (DB and DC) accrued up to January 1, 2028 will not be converted to the new pension plan. This means that nothing will change from the Wtp on your pension (capital) accrued up to January 1, 2028 with SPIN. \n\nDo you work for Kyndryl and have DC capital with SPIN? Then your DC capital will have been transferred to Kyndryl's new pension administrator in early 2026. Unless you have not given permission for this. In that case, your capital is left with SPIN.    All DB pensions have also been left with SPIN.\n\nAre you no longer working at IBM or Kyndryl? Or are you retired? IBM and the Central Works Council decided in the agreement that accrued pensions will not be converted to the new pension plan. Kyndryl's agreement also states that DB pensions and DC capitals accrued until January 1, 2025 will not be converted to the new pension plan.   \n\nThis means that nothing will change about your accrued pension with SPIN from the Wtp. SPIN will continue to manage your pension and we will remain your trusted point of contact.           <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4558 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-new-pension-system faq-categorie-the-new-pension-system\" data-id=\"4558\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">Why don't IBM and Kyndryl choose to convert (in-save) the existing pensions to a new pension plan?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201098b467\">\n        <span class=\"ponck-readmore__teaser\">The choice not to convert accrued capital and pension rights is part of the decision on the new pens\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201098b467-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201098b467-content\" class=\"ponck-readmore__content\" hidden>\n          The choice not to convert accrued capital and pension rights is part of the decision on the new pension plan. That choice and the reasoning for it comes from IBM and Kyndryl, after consultation with the (central) works councils. The reasoning therefore comes from the employer(s) and is included in 'transition plans'. You can find your (former) employer's transition plan on <a href=\"https:\/\/mijn.spin.nl\/ui\/employee\/content\/yournewpensionscheme\">MySPIN. <\/a> (Nader belicht \/ New pension plan). <span>The transition plan is best viewed through the Firefox or Edge browsers.<\/span>             <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4953 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-new-pension-system faq-categorie-the-new-pension-system\" data-id=\"4953\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I am unable to access the transition plan in MySPIN. What can I do about it? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201098bd9e\">\n        <span class=\"ponck-readmore__teaser\">You can find your (former) employer&#039;s transition plan on MySPIN. (Nader belicht \/ New pension plan\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201098bd9e-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201098bd9e-content\" class=\"ponck-readmore__content\" hidden>\n          <div class=\"wpb_wrapper\">\n\nYou can find your (former) employer's transition plan on <a href=\"https:\/\/mijn.spin.nl\/ui\/employee\/content\/yournewpensionscheme\">MySPIN. <\/a> (Nader belicht \/ New pension plan). <span>The transition plan is best viewed through the Firefox or Edge browsers. <\/span> \n\n<\/div>          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4955 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-new-pension-system faq-categorie-the-new-pension-system\" data-id=\"4955\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I'm retired. What will the new pension rules mean for my pension at SPIN? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201098c6bd\">\n        <span class=\"ponck-readmore__teaser\">IBM and the Central Works Council (COR) have decided in the agreement that accrued pensions (DB and\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201098c6bd-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201098c6bd-content\" class=\"ponck-readmore__content\" hidden>\n          IBM and the Central Works Council (COR) have decided in the agreement that accrued pensions (DB and DC) will not be transferred to the new pension plan. This means that nothing will change about your accrued pension with SPIN from the Wtp. SPIN will continue to manage your pension and we will remain your trusted point of contact.    <span><\/span>\n\nKyndryl and the Works Council have also agreed on this. They will not convert DB pensions already accrued with SPIN to the new pension plan. \n\nIn the decision-making process, the Association of IBM Retirees (GBC), among others, was given a statutory right to be heard. This means that they gave an opinion on the proposed changes. With this, the interests of pensioners were also carefully considered in the decision-making process.  \n\nThe agreements are articulated in a transition plan. These can be found on <a href=\"https:\/\/mijn.spin.nl\/ui\/employee\/content\/yournewpensionscheme\">MySPIN<\/a>\n(on the 'Further Information' page, under the 'New Pension Plan' tile). \n\nSPIN assessed whether we can implement the agreements and whether it is clear and fair (\"balanced\") for everyone. To this end, we prepared an implementation and transition communication plan. We submitted these plans to De Nederlandsche Bank (DNB) and the Netherlands Authority for the Financial Markets (AFM).   They must also give their approval. Once we receive this approval, we will inform you.\n\n<em>We will keep you informed\n<\/em>We will keep you informed of the latest developments through our website and online newsletters, among others. In April 2026, we will organize an online information session. Retired members have received information about this and the opportunity to register. Do you have questions or want to know more? Please feel free to contact us. We are at your service!               <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-5005 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-new-pension-system faq-categorie-the-new-pension-system\" data-id=\"5005\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I build up DB pension with SPIN. Why all this discussion about compensation? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201098d0ed\">\n        <span class=\"ponck-readmore__teaser\">From January 1, 2028, it will no longer be legal to accrue pension in a DB plan. From this date, it\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201098d0ed-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201098d0ed-content\" class=\"ponck-readmore__content\" hidden>\n          <div class=\"wpb_wrapper\">\n\n<span>From January 1, 2028, it will no longer be legal to accrue pension in a DB plan. From this date, it will only be allowed to accrue in a private pension pot that is invested (as it is now in our DC scheme). Return and risk from the investments mean that pensions from January 1, 2028 will be less secure than before. A compensation scheme has been agreed for this. You can read more about this in the transition plan. You can find this plan on MySPIN on the Nader belicht page, under the tile 'New Pension Plan'.     <\/span>\n\n<\/div>\n<div class=\"toggle-links align_none\"><\/div>          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4956 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-new-pension-system faq-categorie-the-new-pension-system\" data-id=\"4956\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">Will the new pension contract apply to me as well?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201098dc02\">\n        <span class=\"ponck-readmore__teaser\">The new pension rules effective Jan. 1, 2028, apply to pension capitals accrued from that date. IBM\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201098dc02-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201098dc02-content\" class=\"ponck-readmore__content\" hidden>\n          <div class=\"wpb_wrapper\">\n\nThe new pension rules effective Jan. 1, 2028, apply to pension capitals accrued from that date.\n\nIBM and the works council (COR) decided in the agreement that accrued pensions (DB and DC) will not be converted to the new pension plan. Thus, the new rules will not apply to pension (capital) accrued up to Jan. 1, 2028. \n\n<\/div>\n<div class=\"toggle-links align_none\"><\/div>          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4958 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-new-pension-system faq-categorie-the-new-pension-system\" data-id=\"4958\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">What will I notice about the new pension system?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201098e899\">\n        <span class=\"ponck-readmore__teaser\">IBM and its works council (COR) have reached an agreement on pension transition under the Future Pen\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201098e899-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201098e899-content\" class=\"ponck-readmore__content\" hidden>\n          IBM and its works council (COR) have reached an agreement on pension transition under the Future Pensions Act (Wtp).\n\nDo you work at IBM? Then you will receive information from IBM about the changes. They will return with more detailed information in later communications.  If you still have questions at this point, please contact <a href=\"https:\/\/w3.ibm.com\/hr\/askhr\/home\">AskHR<\/a> and include in the subject line of the ticket: <em>2025 pension agreements<\/em>.\n\nFor (former) Kyndryl employees and retirees, Kyndryl and the Works Council have previously agreed on this. <span>Do you work for Kyndryl and have DC capital with SPIN? Then your DC capital will have been transferred to Kyndryl's new pension administrator in early 2026. Unless you have not given your consent to this. In that case, your capital is left behind with SPIN. All DB pensions are also left with SPIN.<\/span>\n\nMeanwhile, are you no longer working at IBM or Kyndryl? Or are you already receiving a pension from SPIN? We list the relevant arrangements for you below.  \n\n<em>Wtp agreements in outline<\/em>\n<ol>\n \t<li>The accrued Defined Contribution (DC) capital will not be converted to a new plan (there will be no \"rafting in\"). SPIN will continue to manage the accrued pensions...; <\/li>\n \t<li>The accrued Defined Benefit (DB) pension will also not be converted to a new plan (there will be no \"rafting in\"). Accrued DB entitlements remain intact, including the <a href=\"https:\/\/spin.nl\/woordenboek\/#B\">top-up guarantee<\/a> from IBM and Kyndryl. SPIN will continue to manage and pay out accrued pensions in the current manner; this includes the partner's pension.<\/li>\n \t<li>Current allowance schemes 1, 2 and 3 remain unchanged.<\/li>\n<\/ol>\nThe effective date of these WTP agreements for IBM is Jan. 1, 2028. Gradually, you will receive more and more information about exactly what the agreement entails. The basis for the new agreements is that no one will lose out because of the Wtp.  \n\nKyndryl and IBM's transition plans are online. You'll find them on MySPIN on the Approaches page, under the \"New Retirement Plan\" tile. After receiving the transition plans, SPIN assessed whether we can implement the agreements and whether it is clear and fair (\"balanced\") for everyone. To this end, we prepared an implementation and transition communication plan. We submitted these plans to De Nederlandsche Bank (DNB) and the Netherlands Authority for the Financial Markets (AFM).     They must also give their approval. Once we receive this approval, we will inform you. The implementation plan can also be found on MySPIN.\n\n<em>We keep you informed\n<\/em><span>We will keep you informed of the latest developments through our website and online newsletters, among others. Do you have questions or want to know more? Feel free to contact us. We are here for you!<\/span>          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4469 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-new-pension-system faq-categorie-the-new-pension-system\" data-id=\"4469\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">Should I take action myself?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201098f398\">\n        <span class=\"ponck-readmore__teaser\">Do you work or have you worked at IBM? No, you cannot take any action on your own at this time. The\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201098f398-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201098f398-content\" class=\"ponck-readmore__content\" hidden>\n          <strong>Do you work or have you worked at IBM?<\/strong>\n\nNo, you cannot take any action on your own at this time.\n\nThe GBC (the association of pensioners and others) first had a statutory right of hearing. This means they gave their opinion on the proposed arrangements. After the GBC's consultation, the transition plan was presented to SPIN. You can find this plan on MySPIN on the Further Preview page, under the \"New Pension Plan\" tile.   \nWe have now assessed whether we can implement the agreements made. We have worked this out in an implementation plan and a transition communication plan. These plans have been submitted to the regulators DNB and AFM. They still need to approve these plans from SPIN.   \n\nFor retired members and members no longer employed by IBM, nothing will change from the new pension rules.\nIn April 2026, an online information session will be held for this target group on this topic. This can also be viewed later on our website. \n\nIf you are still working at IBM, things do change. You will gradually be informed about these in more and more personal ways. We expect to be able to show you personal information (and calculations) in 2027. If you have any questions, please contact <a href=\"https:\/\/w3.ibm.com\/hr\/askhr\/home\">AskHR<\/a> and include in the subject line of the ticket: 2025 pension arrangements.   \n\n<strong>Do you work or have you worked at Kyndryl?<\/strong>\n\nFor (former) Kyndryl employees and retirees, you cannot take any action yourself either. Kyndryl and the Works Council have reached agreements regarding the SPIN pension already accrued. The pensions already accrued with SPIN will not be converted to the new pension scheme. You will receive more information about this from us later. In the meantime, SPIN will continue to manage your already accrued pension and we will remain your trusted point of contact.    \n\nAn online information session on this topic will be held in April 2026.\n\nFor Kyndryl employees, the changes from this law have been included in the transition to the new pension provider. If you have any questions about this, please contact us at <a href=\"mailto:NLEmployeeOffice@kyndryl.com\">NLEmployeeOffice@kyndryl.com.<\/a>           <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4960 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-new-pension-system faq-categorie-the-new-pension-system\" data-id=\"4960\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I work at IBM and build DC capital with SPIN. What will change for me? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201098fd73\">\n        <span class=\"ponck-readmore__teaser\">In the agreement between IBM Netherlands and the Works Council, it was agreed that the accrued DC ca\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201098fd73-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201098fd73-content\" class=\"ponck-readmore__content\" hidden>\n          <div class=\"wpb_wrapper\">\n\nIn the agreement between IBM Netherlands and the Works Council, it was agreed that the accrued DC capital will not be converted to the new plan. SPIN will continue to manage the accrued capital. You can continue to make your own choices such as adjusting your investment profile or making additional contributions.  \n\nIn addition, IBM and the Works Council have agreed that over the next three years they will explore the possibility that you can also purchase a pension from SPIN with your DC capital. Now everyone who retires must purchase a pension with their DC capital from an insurer. \n\nYou will receive information from IBM about the changes for your pension accrual beginning Jan. 1, 2028. They will return with more detailed information in later communications.  If you still have questions at this point, please contact <a href=\"https:\/\/w3.ibm.com\/hr\/askhr\/home\">AskHR<\/a> and include in the subject line of the ticket: <em>2025 pension agreements<\/em>.\n\n<\/div>\n<div class=\"toggle-links align_none\"><\/div>          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4963 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-new-pension-system faq-categorie-the-new-pension-system\" data-id=\"4963\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I work at IBM and build up DB pension with SPIN. What will change for me? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109906f8\">\n        <span class=\"ponck-readmore__teaser\">In the agreement between IBM Netherlands and the (central) works council, it was agreed that the acc\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109906f8-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109906f8-content\" class=\"ponck-readmore__content\" hidden>\n          <div class=\"wpb_wrapper\">\n\nIn the agreement between IBM Netherlands and the (central) works council, it was agreed that the accrued DB pension will not be converted to the new scheme. SPIN will continue to administer the accrued pension until and beyond January 1, 2028. \n\nDo you work at IBM? As of Jan. 1, 2028, you can no longer accrue pension in the DB plan. Instead, you will start accruing DC capital. You will receive information from IBM about the changes for your new pension accrual starting Jan. 1, 2028. They will return with more detailed information in later communications.    If you still have questions at this point, please contact <a href=\"https:\/\/w3.ibm.com\/hr\/askhr\/home\">AskHR<\/a> and include in the subject line of the ticket: <em>2025 pension agreements<\/em>.\n\n<\/div>\n<div class=\"toggle-links align_none\"><\/div>          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4964 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-new-pension-system faq-categorie-the-new-pension-system\" data-id=\"4964\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I'm thinking about a new job. What about the transition to the new pension rules? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201099102b\">\n        <span class=\"ponck-readmore__teaser\">Pension rules are changing because of the Future of Pensions Act. Are you going to change jobs? Then\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201099102b-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201099102b-content\" class=\"ponck-readmore__content\" hidden>\n          Pension rules are changing because of the Future of Pensions Act. Are you going to change jobs? Then pay close attention to the pension plan at your (possible) new employer. It may have already been adapted to the Wtp and works with a flat premium; the same for everyone, regardless of age.   \n\nThis difference can affect how much pension you will accrue later.\n\nSo always ask carefully what the pension plan is like with your new employer.          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4965 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-new-pension-system faq-categorie-the-new-pension-system\" data-id=\"4965\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">Will my pension become less secure now?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f2010991998\">\n        <span class=\"ponck-readmore__teaser\">The agreement from both IBM and Kyndryl states that DB pensions and DC capitals accrued at SPIN will\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f2010991998-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f2010991998-content\" class=\"ponck-readmore__content\" hidden>\n          <div class=\"wpb_wrapper\">\n\nThe agreement from both IBM and Kyndryl states that DB pensions and DC capitals accrued at SPIN will not be converted to the new pension plan. These pension (capitals), accrued until Jan. 1, 2028, will thus remain as secure. \n\nFrom January 1, 2028, it will no longer be legal to accrue pension in a DB plan. From this date, it will only be allowed to accrue in a private pension pot that is invested (as it is now in our DC scheme). Return and risk from the investments mean that pensions from January 1, 2028 will be less secure than before. A compensation scheme has been agreed for this. You can read more about this in the transition plan. You can find this plan on MySPIN on the Nader belicht page, under the tile 'New Pension Plan'.     \n\n<\/div>\n<div class=\"toggle-links align_none\"><\/div>          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4966 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-annual-pension-statement-2025-aps\" data-id=\"4966\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I am disabled; what statements will I receive?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201099230d\">\n        <span class=\"ponck-readmore__teaser\">If you are still accruing pension and receiving disability benefits from us, you will receive two pe\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201099230d-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201099230d-content\" class=\"ponck-readmore__content\" hidden>\n          If you are still accruing pension and receiving disability benefits from us, you will receive two pension statements. One for your pension accrual and one for your benefit. Are you not receiving benefits from SPIN? Then you will only receive a pension statement showing how much pension you have accrued with us.             <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4967 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-annual-pension-statement-2025-aps\" data-id=\"4967\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">Are you divorced and have divided your pension with your ex-partner?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f2010992ca9\">\n        <span class=\"ponck-readmore__teaser\">On your DB-UPO, your pension information shows your retirement pension at 65 and at 67. The pension\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f2010992ca9-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f2010992ca9-content\" class=\"ponck-readmore__content\" hidden>\n          On your DB-UPO, your pension information shows your retirement pension at 65 and at 67. The pension for your ex-partner has already been deducted from these amounts. How much pension can you expect?\" shows your pension at your state pension age. The first line shows your total pension including the pension for your ex-partner. The second line shows what part of your pension is for your ex-partner.              <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4562 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-annual-pension-statement-2025-aps\" data-id=\"4562\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I will soon receive part of the pension that my ex-partner has accrued with SPIN. When will I receive a statement of this pension? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109935fd\">\n        <span class=\"ponck-readmore__teaser\">You received a statement of your pension with SPIN in 2024. You will also receive a pension statemen\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109935fd-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109935fd-content\" class=\"ponck-readmore__content\" hidden>\n          You received a statement of your pension with SPIN in 2024. You will also receive a pension statement in 2025.           <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4962 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-annual-pension-statement-2025-aps\" data-id=\"4962\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">On what parts of my salary do I not accrue a pension?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f2010993f21\">\n        <span class=\"ponck-readmore__teaser\">You do not accrue a pension over the so-called deductible. In 2025, this is an amount of \u20ac20,919.89\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f2010993f21-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f2010993f21-content\" class=\"ponck-readmore__content\" hidden>\n          You do not accrue a pension over the so-called deductible. In 2025, this is an amount of \u20ac20,919.89. You also do not accrue pension over the salary above the capping limit. This is an amount of \u20ac131,290 in 2025. Note: Do you have both a DB and a DC pension? For both your DB pension and your DC pension, we state the full deductible on the UPO. Naturally, we divide this proportionally between your DB pension and your DC pension.                <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4563 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-annual-pension-statement-2025-aps\" data-id=\"4563\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">Will the premium for my DB pension remain as low in the future?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f2010994ae9\">\n        <span class=\"ponck-readmore__teaser\">There is no way to tell. Depending on SPIN&#039;s financial position, the board considers annually whethe\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f2010994ae9-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f2010994ae9-content\" class=\"ponck-readmore__content\" hidden>\n          <div class=\"wpb_wrapper\">\n\nThere is no way to tell. Depending on SPIN's financial position, the board considers annually whether a premium discount is possible. \n\n<\/div>          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4471 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-annual-pension-statement-2025-aps\" data-id=\"4471\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">My in service and\/or out of service date on the UPO is\/are incorrect. Does this have any consequences? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201099568c\">\n        <span class=\"ponck-readmore__teaser\">Our records require us to enter an in-service and out-of-service date. This information is not alway\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201099568c-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201099568c-content\" class=\"ponck-readmore__content\" hidden>\n          Our records require us to enter an in-service and out-of-service date. This information is not always available anymore. If these dates are missing, we fill in a fictitious date. The dates in and out of service do not affect the amount of your pension.             <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4472 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-annual-pension-statement-2025-aps\" data-id=\"4472\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">Why is my name wrong on the UPO?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109960df\">\n        <span class=\"ponck-readmore__teaser\">If you receive a special partner&#039;s pension, only your own name appears on your statement. Even if yo\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109960df-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109960df-content\" class=\"ponck-readmore__content\" hidden>\n          <div class=\"wpb_wrapper\">\n\nIf you receive a special partner's pension, only your own name appears on your statement. Even if you have remarried, only your own name will appear on the statement. We cannot include your current partner in your ex-partner's policy. As a result, it is also not possible to include your current partner's name on the statement.   \n\n<\/div>\n<div class=\"toggle-links align_none\"><\/div>          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4473 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-annual-pension-statement-2025-aps\" data-id=\"4473\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I receive a pension statement but do not receive a pension from SPIN. How is that possible? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f2010996afc\">\n        <span class=\"ponck-readmore__teaser\">Everyone who has a pension with us receives a pension statement (UPO). Even those to whom we cannot\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f2010996afc-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f2010996afc-content\" class=\"ponck-readmore__content\" hidden>\n          Everyone who has a pension with us receives a pension statement (UPO). Even those to whom we cannot pay out the pension because, for example, no account number is known to us. We ask you to contact us so that we can still pay out your pension.            <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4474 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-annual-pension-statement-2025-aps\" data-id=\"4474\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I accrue(d) a pension through SPIN. When can I expect my annual pension statement? <\/span><\/div><div class=\"w-html usg_html_1\"><div class=\"ponck-readmore\">Everyone has received their 2025 pension statements by now.<\/div>\n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4468 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-annual-pension-statement-2025-aps\" data-id=\"4468\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I need my A-factor for 2023 for my tax return. Where can I find it? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f2010997dd8\">\n        <span class=\"ponck-readmore__teaser\">The A-factor for 2023 can be found on your Annual Pension Statement (UPO) 2024. You&#039;ll find the A-fa\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f2010997dd8-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f2010997dd8-content\" class=\"ponck-readmore__content\" hidden>\n          The A-factor for 2023 can be found on your Annual Pension Statement (UPO) 2024. You'll find the A-factor at the very end of the pension statement under the heading: Learn more.           <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4470 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-myspin-pension-planner\" data-id=\"4470\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">The pension amounts in the Planner are lower than the calculations I get from the SPIN service desk. How is that possible? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f2010998714\">\n        <span class=\"ponck-readmore__teaser\">In the Planner on MySPIN, we take into account future loss of purchasing power due to inflation in t\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f2010998714-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f2010998714-content\" class=\"ponck-readmore__content\" hidden>\n          In the Planner on MySPIN, we take into account future loss of purchasing power due to inflation in the SPIN pension amounts (gross and net). We simulate this in the planner by showing lower amounts. We do this because we think it is important for you to realize that the money you have now (accumulated) will have less value in the future. The amounts the service desk calculates for you are the actual amounts you will receive. This causes a (small) difference between the amounts from the planner compared to the service desk's calculations. The further away from your retirement date you are, the greater the difference will be.               <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4885 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-myspin-pension-planner\" data-id=\"4885\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">Why do I regularly see different pension amounts in the Retirement Planner?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109990b1\">\n        <span class=\"ponck-readmore__teaser\">The amounts in the Pension Planner are estimates. For these estimates we have to use assumptions (so\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109990b1-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109990b1-content\" class=\"ponck-readmore__content\" hidden>\n          The amounts in the Pension Planner are estimates. For these estimates we have to use assumptions (so-called<a href=\"https:\/\/spin.nl\/woordenboek\/#S\"> scenario sets<\/a>) from the Dutch Central Bank. Every quarter we receive new scenario sets. As a result, the estimates of the pension amounts change every quarter.             <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4887 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-myspin-pension-planner\" data-id=\"4887\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">Does the Pension Planner default to an exchange to 70% partner pension?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f2010999ae8\">\n        <span class=\"ponck-readmore__teaser\">Yes, the planner assumes 70% exchange by default, but you can adjust the percentage yourself in the\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f2010999ae8-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f2010999ae8-content\" class=\"ponck-readmore__content\" hidden>\n          Yes, the planner assumes 70% exchange by default, but you can adjust the percentage yourself in the planner.          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4889 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-myspin-pension-planner\" data-id=\"4889\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">How does the planner handle AOW?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201099a4e4\">\n        <span class=\"ponck-readmore__teaser\">By default, the planner calculates with a full AOW. You will receive a full AOW if you have always l\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201099a4e4-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201099a4e4-content\" class=\"ponck-readmore__content\" hidden>\n          <div class=\"wpb_wrapper\">\n\nBy default, the planner calculates with a full AOW. You will receive a full AOW if you have always lived in the Netherlands. Any years abroad will result in a lower AOW. On the income page of the planner you can indicate how many years you may have lived abroad. The planner will then take into account a lower AOW (depending on the number of years you lived abroad).    \n\n<\/div>\n<div class=\"toggle-links align_none\"><\/div>          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4891 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-myspin-pension-planner\" data-id=\"4891\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">What is the difference in pension amounts between the Pension Planner and on the Home page of MySPIN?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201099ae32\">\n        <span class=\"ponck-readmore__teaser\">In the Pension Planner, we calculate with the SPIN pension plus AOW and any other income you have ad\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201099ae32-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201099ae32-content\" class=\"ponck-readmore__content\" hidden>\n          In the Pension Planner, we calculate with the SPIN pension plus AOW and any other income you have added yourself. The amount you see there is also net. On the home page you can see an estimate of what you can expect to receive in gross pension from SPIN.            <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4893 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-myspin-pension-planner\" data-id=\"4893\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">Are the consequences of my divorce visible in the Pension Planner?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201099b7f2\">\n        <span class=\"ponck-readmore__teaser\">If you have divided your retirement pension with your ex-partner(s), the Pension Planner calculates\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201099b7f2-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201099b7f2-content\" class=\"ponck-readmore__content\" hidden>\n          <div class=\"wpb_wrapper\">\n\nIf you have divided your retirement pension with your ex-partner(s), the Pension Planner calculates for DB with the pension after division. For DC, the planner calculates with the capital before division. The planner does not show which amounts are for your ex-partner(s). You can see this on your annual pension statement.   \n\n<\/div>\n<div class=\"toggle-links align_none\"><\/div>          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4886 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-myspin-pension-planner\" data-id=\"4886\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I am no longer building a pension with SPIN and see that SPIN's estimate of the expense amount is set rather low. Is that correct? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201099c0fb\">\n        <span class=\"ponck-readmore__teaser\">No, because you are out of service, this amount is no longer properly determined. This is because th\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201099c0fb-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201099c0fb-content\" class=\"ponck-readmore__content\" hidden>\n          <div class=\"wpb_wrapper\">\n\nNo, because you are out of service, this amount is no longer properly determined. This is because the planner calculates with the current salary and that data is missing. It is better to enter an amount for expenses yourself via the 'adjust expenses' tab in the planner.  \n\n<\/div>          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4888 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-myspin-pension-planner\" data-id=\"4888\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">The Home page of MySPIN gives insight into whether I will have enough pension on my retirement date later. I can also see that in the Pension Planner. However, the amounts are different. How is that possible?   <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201099ca18\">\n        <span class=\"ponck-readmore__teaser\">The Pension Planner and the Home page take the estimate of whether you will soon have enough pension\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201099ca18-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201099ca18-content\" class=\"ponck-readmore__content\" hidden>\n          <div class=\"wpb_wrapper\">\n\nThe Pension Planner and the Home page take the estimate of whether you will soon have enough pension from a different calculation source. Both estimates are based on slightly different assumptions. This may cause (small) differences.  \n\n<\/div>\n<div class=\"toggle-links align_none\"><\/div>          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4890 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-myspin-pension-planner\" data-id=\"4890\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I want to register my partner, whom I live with, for a partner's pension. How do I do that? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201099d4c2\">\n        <span class=\"ponck-readmore__teaser\">You can do this in MySPIN under Directly arrange. To register your partner, we also need a cohabitat\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201099d4c2-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201099d4c2-content\" class=\"ponck-readmore__content\" hidden>\n          You can do this in MySPIN under Directly arrange. To register your partner, we also need a cohabitation agreement. Via Upload documents you can send this to us.            <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4892 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-myspin-log-in-and-log-out\" data-id=\"4892\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I can't log in with my username and password. How do I request a new one? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201099e05b\">\n        <span class=\"ponck-readmore__teaser\">To log in with a (new) username and password, you must first request them from us. You can do this i\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201099e05b-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201099e05b-content\" class=\"ponck-readmore__content\" hidden>\n          <div class=\"wpb_wrapper\">\n\nTo log in with a (new) username and password, you must first request them from us. You can do this in the following steps: \n\n1. You go to our website and click on MySpin in the upper right corner\n\n2. You will now enter the login screen and click on the bottom option \"Don't have a DigD? Click Here\"\n\n3. You request a new username. Please note that your old username will not work here, you can only request a new username \n\n4. You will then receive an email from us with a new username.\n\n5. You will then return to the website, go through the same steps, enter your new username and then request a new password using the \"Reset Password\" option.\n\n6. You will then receive an email from us with a new password and with that you can then log in from now on.\n\n<\/div>          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4894 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-myspin-log-in-and-log-out\" data-id=\"4894\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I want to log into MySPIN but don't have a cell phone. So how can I still log in with 2-factor authentication? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201099e9df\">\n        <span class=\"ponck-readmore__teaser\">We consider the security of your data very important. Therefore, we use an additional verification s\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201099e9df-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201099e9df-content\" class=\"ponck-readmore__content\" hidden>\n          We consider the security of your data very important. Therefore, we use an additional verification step, 2-factor authentication, in addition to a username and password for <em>MIjnSPIN<\/em>. \n\nYou can log into <em>MySPIN<\/em> from a computer, a laptop, tablet or phone. To set up two-factor authentication, you basically need a second device with a camera to read a QR code. \n\nDon't have a second device? Then you can open the Google Chrome Browser on your computer and open the following link there: <a href=\"https:\/\/chrome.google.com\/webstore\/detail\/authenticator\/bhghoamapcdpbohphigoooaddinpkbai\">Google Chrome Authenticator<\/a>. You can install this authenticator in your Chrome Browser and open it from there every time you need a login.            <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4896 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-myspin-log-in-and-log-out\" data-id=\"4896\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I live abroad and want to apply for a DigiD. How do I do that? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f201099f2fe\">\n        <span class=\"ponck-readmore__teaser\">A DigiD is basically a username and password that allows you to log in securely to, for example, Mij\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f201099f2fe-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f201099f2fe-content\" class=\"ponck-readmore__content\" hidden>\n          A DigiD is basically a username and password that allows you to log in securely to, for example, MijnSPIN. Below we explain how you can apply for a DigiD from abroad.  1. Make an appointment using this link: www.nederlandwereldwijd.nl\/digid-buiten-nederland\/activeringscode-videobellen which is a few hours away so you have time to prepare (step 2). You will receive a confirmation from the State Department in your mail. \n\n2. Apply for a DigiD using this link: <a href=\"https:\/\/www.digid.nl\/buitenland\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.digid.nl\/buitenland\/<\/a>. You will receive confirmation codes by email and text message on your cell phone, enter them until you finally receive a counter code. You will need this counter code when video calling for the activation code (step 3).  \n\n3. Use the State Department email where you can start the video call and codes and go to the video appointment. The video call representative will be happy to help you activate your DigiD with the activation code.           <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4897 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-myspin-log-in-and-log-out\" data-id=\"4897\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I don't have a DigiD, now what?<\/span><\/div><div class=\"w-html usg_html_1\"><div class=\"ponck-readmore\">You can request it here: <a href=\"https:\/\/www.digid.nl\/digid-aanvragen-activeren\/\" target=\"_blank\" rel=\"noopener\">www.digid.nl\/digid-aanvragen-activeren<\/a><\/div>\n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4900 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-myspin-log-in-and-log-out\" data-id=\"4900\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">Why can't I log in to MySPIN?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109a050d\">\n        <span class=\"ponck-readmore__teaser\">Anyone who receives a pension from us, accrues a pension with us or has accrued a pension in the pas\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109a050d-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109a050d-content\" class=\"ponck-readmore__content\" hidden>\n          <div class=\"wpb_wrapper\">\n\nAnyone who receives a pension from us, accrues a pension with us or has accrued a pension in the past can log in to MySPIN. Are you an ex-partner and not yet receiving a pension? Then you can also log in.  \n\n<\/div>\n<div class=\"toggle-links align_none\"><\/div>          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4902 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-myspin-log-in-and-log-out\" data-id=\"4902\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">How do I log out of MySPIN?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109a0e41\">\n        <span class=\"ponck-readmore__teaser\">The easiest way to log out of MySPIN is to click on the cross at the top right of your screen. Your\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109a0e41-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109a0e41-content\" class=\"ponck-readmore__content\" hidden>\n          The easiest way to log out of MySPIN is to click on <strong>the cross at the top right of your screen<\/strong>. Your session will then stop immediately. \n\nAnother option is to click on<strong> \"log out\" at the top right of<\/strong> your screen.\n\n<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-3043\" src=\"https:\/\/spin.nl\/wp-content\/uploads\/2024\/12\/uitloggen.jpg\" alt=\"\" width=\"212\" height=\"45\">\n\n<strong>Is this button and\/or the cross not visible?<\/strong>\n\n<img decoding=\"async\" class=\"alignleft\" src=\"https:\/\/spin.nl\/wp-content\/uploads\/2024\/12\/hamburger.jpg\">Then hold your tablet in<strong> portrait mode<\/strong>. And click on the square with the three dashes in the upper left corner. \n\nNext you will see the logout button. Also, if you want to log out from your cell phone, you can do so via the square with the dashes.           <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4903 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-mijnpensioenoverzicht-nl\" data-id=\"4903\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">Why can I no longer see on mypensioenoverzicht.nl which part of my pension goes to my ex-partner?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109a173b\">\n        <span class=\"ponck-readmore__teaser\">This information is indeed no longer available at mijnpensioenoverzicht.nl. You will, however, find\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109a173b-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109a173b-content\" class=\"ponck-readmore__content\" hidden>\n          This information is indeed no longer available at <a href=\"https:\/\/www.mijnpensioenoverzicht.nl\" target=\"_blank\" rel=\"noopener\">mijnpensioenoverzicht.nl.<\/a> You will, however, find this information on your annual pension statement.           <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4895 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-mijnpensioenoverzicht-nl\" data-id=\"4895\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">On Mijnpensioenoverzicht.nl I see an indicative pension. What is this? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109a202b\">\n        <span class=\"ponck-readmore__teaser\">When you retire, you convert your DC capital into a pension benefit with an insurer. The pension ind\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109a202b-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109a202b-content\" class=\"ponck-readmore__content\" hidden>\n          <div class=\"wpb_wrapper\">\n\nWhen you retire, you convert your DC capital into a pension benefit with an insurer. The pension indicator on Mijnpensioenoverzicht.nl gives you an indication of this pension benefit. For the indication we use the calculation rules (rates and returns) prescribed by the Dutch Central Bank. We recalculate this indication every quarter using the most up-to-date calculation rules.   \n\n<\/div>\n<div class=\"toggle-links align_none\"><\/div>          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4898 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-mijnpensioenoverzicht-nl\" data-id=\"4898\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">On Mijnpensioenoverzicht.nl I see multiple SPIN pensions with different effective dates. Why is this? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109a2922\">\n        <span class=\"ponck-readmore__teaser\">Until January 1, 2014, the retirement age was 65. The DB pension you accrued before that date is sti\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109a2922-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109a2922-content\" class=\"ponck-readmore__content\" hidden>\n          <div class=\"wpb_wrapper\">\n\nUntil January 1, 2014, the retirement age was 65. The DB pension you accrued before that date is still in our records with an effective age of 65. DB pension accrued after Jan. 1, 2014, has an effective age of 67. If you accrued pension with SPIN both before and after January 1, 2014, you will see both effective dates (65 and 67) on Mijnpensioenoverzicht.nl.   \n\nWhen you retire, both pensions (65 and 67) will be converted to one pension as of the time you retire. It is not possible to have part of your pension start at age <sup>65<\/sup> and part at age <sup>67<\/sup>. \n\n<\/div>\n<div class=\"toggle-links align_none\"><\/div>          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4899 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-death\" data-id=\"4899\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I want to pass on a death within the Netherlands. How do I do that? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109a325d\">\n        <span class=\"ponck-readmore__teaser\">You do not have to notify us of a death within the Netherlands yourself. We receive this notificatio\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109a325d-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109a325d-content\" class=\"ponck-readmore__content\" hidden>\n          <p data-start=\"45\" data-end=\"208\">You do not have to notify us of a death within the Netherlands yourself. We receive this notification automatically through the municipality's Key Register of Persons. <\/p>\n<p data-start=\"210\" data-end=\"449\">Did the deceased receive a pension from SPIN? Then this pension stops from the month after the death. At the end of that month we will send another annual statement to the last known address. This may be needed for the tax return.   <\/p>\n<p data-start=\"451\" data-end=\"654\" data-is-last-node=\"\" data-is-only-node=\"\">Is a survivor entitled to a partner's or orphan's pension? If so, we will send a letter as soon as the death notification has been processed. In it, we explain what is required to apply for the survivor's pension.  <\/p>          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4901 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-death\" data-id=\"4901\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I want to report a death abroad. How do I do that? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109a3ebd\">\n        <span class=\"ponck-readmore__teaser\">Please contact us at info@spin.nl or +31 (0)20-347 2722. We would like to receive a copy of the deat\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109a3ebd-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109a3ebd-content\" class=\"ponck-readmore__content\" hidden>\n          <p data-start=\"46\" data-end=\"185\">Please contact us at <a href=\"mailto:info@spin.nl\"><strong data-start=\"86\" data-end=\"102\">info@spin.nl<\/strong><\/a> or <strong data-start=\"106\" data-end=\"128\">+31 (0)20-347 2722<\/strong>. We would like to receive a copy of the death certificate. <\/p>\n<p data-start=\"187\" data-end=\"440\">Did the deceased receive a pension from SPIN? Then we stop this pension from the month after the death. At the end of that month we will send another annual statement to the last address known to us. This may be needed for your tax return.   <\/p>\n<p data-start=\"442\" data-end=\"645\" data-is-last-node=\"\" data-is-only-node=\"\">Is a survivor entitled to a partner's or orphan's pension? If so, we will send a letter as soon as the death notification has been processed. In it, we explain what is required to apply for the survivor's pension.  <\/p>          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4904 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-pension-payment\" data-id=\"4904\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">It's the 24th and I have no payment yet, is this going to be okay?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109a49c7\">\n        <span class=\"ponck-readmore__teaser\">Our pension payments are made on the payment date during the day. So depending on your bank, your pe\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109a49c7-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109a49c7-content\" class=\"ponck-readmore__content\" hidden>\n          <div class=\"wpb_wrapper\">\n\nOur pension payments are made on the payment date during the day. So depending on your bank, your pension payment may be in your account a little earlier or a little later. Have you still not received your payment in the second half of the afternoon? Please contact us and we will check this for you. An overview of our payment dates can be found here: <a href=\"https:\/\/spin.nl\/page\/betaaldata\/\">https:\/\/spin.nl\/page\/betaaldata\/<\/a>    \n\n<\/div>\n<div class=\"toggle-links align_none\"><\/div>          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4905 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-pension-payment\" data-id=\"4905\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">I did not receive a payment statement this month, how come?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109a53c4\">\n        <span class=\"ponck-readmore__teaser\">We only send a specification when a new benefit is paid, when there are changes in your details or w\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109a53c4-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109a53c4-content\" class=\"ponck-readmore__content\" hidden>\n          We only send a specification when a new benefit is paid, when there are changes in your details or when you make your first pension payment of the year. If there are no changes to your pension payment, the most recent specification remains valid. Do you need a specification for a particular month? Please feel free to contact us, we can always create one for you.             <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4907 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-allowance\" data-id=\"4907\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">1. Why do the surcharge rates differ for the DB pension in 2026?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109a5ec5\">\n        <span class=\"ponck-readmore__teaser\">When deciding whether to increase pensions, the board looks at changes in the consumer price index\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109a5ec5-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109a5ec5-content\" class=\"ponck-readmore__content\" hidden>\n          When deciding whether to increase pensions, the board looks at changes in the consumer price index (the CPI) as determined by CBS. For supplement plan 1, this is the regular CPI. This price index tracks, among other things, price increases in food, clothing, housing and transportation and supplemental health insurance including price increases in VAT, excise taxes and subsidies.  \n\nFor payment schemes 2 and 3, the CPI derived applies. This price index tracks, among other things, price increases in food, clothing, housing and transportation and supplemental health insurance, but excludes price increases in VAT, excise taxes and subsidies.           <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4909 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-allowance\" data-id=\"4909\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">2. Does a DC plan include a supplemental benefit plan?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109a6a4b\">\n        <span class=\"ponck-readmore__teaser\">No, we do not increase your DC capital with a supplement. Instead, returns should ensure that your p\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109a6a4b-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109a6a4b-content\" class=\"ponck-readmore__content\" hidden>\n          No, we do not increase your DC capital with a supplement. Instead, returns should ensure that your pension capital retains its value.           <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4911 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-allowance\" data-id=\"4911\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">3. Which allowance scheme applies to me?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109a73d3\">\n        <span class=\"ponck-readmore__teaser\">In MySPIN, you can see which allowance scheme you fall under. To do so, log in with your DigiD and g\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109a73d3-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109a73d3-content\" class=\"ponck-readmore__content\" hidden>\n          In <em>MySPIN<\/em>, you can see which allowance scheme you fall under. To do so, log in with your DigiD and go to Data and then to Accrued DB Pension.           <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4913 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-allowance\" data-id=\"4913\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">4a. How is the allowance calculated in allowance scheme 1? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109a7dd2\">\n        <span class=\"ponck-readmore__teaser\">The supplement to your DB pension is 75% of the increase in the consumer price index including effec\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109a7dd2-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109a7dd2-content\" class=\"ponck-readmore__content\" hidden>\n          The supplement to your DB pension is 75% of the increase in the consumer price index <u>including<\/u> effects of VAT, excise taxes and subsidies from October of one year to September of the following year.\n\nIf the consumer price index decreases in a year then pensions are not reduced in that year, but the supplement becomes zero.          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4906 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-allowance\" data-id=\"4906\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">4b. How is the allowance calculated in allowance scheme 2? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109a86ac\">\n        <span class=\"ponck-readmore__teaser\">Surcharge Scheme 2 applies to pensions accrued from January 1, 1982 to December 31, 1995 and transfe\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109a86ac-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109a86ac-content\" class=\"ponck-readmore__content\" hidden>\n          Surcharge Scheme 2 applies to pensions accrued from January 1, 1982 to December 31, 1995 and transferred to SPIN as a non-contributory or vested pension as of January 1, 1996. The supplement to your DB pension is then 100% of the increase in the derived consumer price index from October of any year to September of the following year. This <u>excludes<\/u> effects of VAT, excise taxes and subsidies.  \n\nIf the consumer price index falls in a year then pensions are not reduced in that year, but the supplement becomes zero. The next supplement is granted if the consumer price index is higher than at the time of the last increase. The supplement is then calculated by comparing the index figure at the time of the penultimate increase with the index figure of the last increase.            <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4908 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-allowance\" data-id=\"4908\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">4c. How is the allowance calculated in allowance scheme 3? <\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109a8fac\">\n        <span class=\"ponck-readmore__teaser\">Surcharge Schedule 3 applies if you left IBM employment between January 1, 1982 and December 31, 199\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109a8fac-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109a8fac-content\" class=\"ponck-readmore__content\" hidden>\n          Surcharge Schedule 3 applies if you left IBM employment between January 1, 1982 and December 31, 1995 and did not transfer your pension to SPIN, but left it with AMEV. The supplement is based on 100% of the increase in the derived consumer price index from October of one year through September of the following year. This <u>excludes<\/u> effects of VAT, excise taxes and subsidies. The surcharge does not exceed an average of 1.75% per year. In doing so, we also look at the past and take into account all years in which the surcharge was lower than 1.75%.    \n\nIf the consumer price index decreases in any year, pensions are not reduced in that year, but the supplement becomes zero. The next supplement is granted if the consumer price index is higher than during the last increase. The supplement is then calculated by comparing the index figure of the penultimate increase with the index figure of the last increase.            <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4912 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-allowance\" data-id=\"4912\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">5. Can I also expect a full surcharge in 2027?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109a9871\">\n        <span class=\"ponck-readmore__teaser\">We don&#039;t know that at this point. When we decide in 2027 to increase pensions, we will look at the p\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109a9871-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109a9871-content\" class=\"ponck-readmore__content\" hidden>\n          We don't know that at this point. When we decide in 2027 to increase pensions, we will look at the price changes in the period from October 2025 to September 2026. We will do this using the CPI, the consumer price index from CBS. This information will be available at the end of 2026. In early 2027, the board decides whether we can grant a supplement based on this information, among other things.              <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4914 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-allowance\" data-id=\"4914\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">6. How much allowance have I received in recent years?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109aa1ba\">\n        <span class=\"ponck-readmore__teaser\">The supplement you received depends on your plan. For details about your plan and the pension increa\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109aa1ba-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109aa1ba-content\" class=\"ponck-readmore__content\" hidden>\n          The supplement you received depends on your plan. For details about your plan and the pension increase, click on the links below. \n\n<a href=\"https:\/\/spin.nl\/wp-content\/uploads\/2026\/01\/Toeslagregeling-1-2026-DEF.pdf\">Link to details of allowance scheme 1 2026<\/a>\n\n<a href=\"https:\/\/spin.nl\/wp-content\/uploads\/2026\/01\/Toeslagregeling-2-2026-DEF.pdf\">Link to details of allowance scheme 2 2026<\/a>\n\n<a href=\"https:\/\/spin.nl\/wp-content\/uploads\/2026\/01\/Toeslagregeling-3-2026-DEF.pdf\">Link to details of allowance scheme 3 2026<\/a>          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4837 faq type-faq status-publish hentry faq-categorie-frequently-asked-questions faq-categorie-separation\" data-id=\"4837\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_custom_field usg_post_custom_field_1 has_text_color type_text vraag color_link_inherit\"><span class=\"w-post-elm-value\">How can I communicate that I want to divide my pension with my ex-partner?<\/span><\/div><div class=\"w-html usg_html_1\">    <div class=\"ponck-readmore\" data-state=\"closed\" id=\"ponckrm_69f20109aab83\">\n        <span class=\"ponck-readmore__teaser\">You can communicate this using the notification form in connection with division of old-age pension\u2026<\/span>\n\n        <span class=\"ponck-readmore__gap\" aria-hidden=\"true\"><br><\/span>\n\n        <button\n          type=\"button\"\n          class=\"w-btn us-btn-style_5 ponck-readmore__btn-more\"\n          aria-expanded=\"false\"\n          aria-controls=\"ponckrm_69f20109aab83-content\">\n          Read more...        <\/button>\n\n        <div id=\"ponckrm_69f20109aab83-content\" class=\"ponck-readmore__content\" hidden>\n          <div class=\"wpb_wrapper\">\n\nYou can communicate this using the <a href=\"https:\/\/www.rijksoverheid.nl\/documenten\/formulieren\/2016\/10\/26\/formulier-mededeling-van-scheiding-in-verband-met-verdeling-van-ouderdomspensioen\" target=\"_blank\" rel=\"noopener\">notification form in connection with division of old-age pension in divorce<\/a>.\n\nYou and your ex-partner must both complete and sign this form. Then you can mail it to info@spin.nl or send it to Stichting Pensioenfonds IBM Nederland, Antwoordnummer 469, 1180 VB Amstelveen. A stamp is not required.  \n\n<\/div>\n<div class=\"toggle-links align_none\"><\/div>          <button\n            type=\"button\"\n            class=\"w-btn us-btn-style_5 ponck-readmore__btn-less\"\n            data-less=\"true\">\n            Less          <\/button>\n        <\/div>\n    <\/div>\n    \n\n<\/div><div class=\"w-html usg_html_2\"><hr><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n<\/div><div class=\"g-loadmore hidden\"><div class=\"g-preloader type_1\"><div><\/div><\/div><\/div><div class=\"w-grid-list-json hidden\" onclick='return 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