{"id":4458,"date":"2025-01-06T10:58:32","date_gmt":"2025-01-06T09:58:32","guid":{"rendered":"https:\/\/spin.nl\/ongecategoriseerd\/db-pensions-increased-by-2025-with-a-surcharge\/"},"modified":"2026-01-21T14:51:37","modified_gmt":"2026-01-21T13:51:37","slug":"db-pensions-increased-by-2025-with-a-surcharge","status":"publish","type":"post","link":"https:\/\/spin.nl\/en\/page\/db-pensions-increased-by-2025-with-a-surcharge\/","title":{"rendered":"DB pensions increased by 2025 with a surcharge"},"content":{"rendered":"<section class=\"l-section wpb_row height_medium\"><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=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><strong>The SPIN Board has decided to increase DB pensions effective January 1, 2025. In supplement plan 1, your pension will be increased by 2.63%. For allowance schemes 2 and 3, the increase is 1.11%. We are pleased to provide a supplement for all supplement plans.   <\/strong><\/p>\n<p>Below we explain how we calculate the supplement for each scheme. Would you like to know more? Then take a look at our <a href=\"https:\/\/spin.nl\/veelgestelde-vragen\/#faq_toeslag\">frequently asked questions<\/a>.  <\/p>\n<p><strong>Details of payment arrangements<\/strong><\/p>\n<p>There are three different benefit plans. For most of you, Surcharge Scheme 1 applies to the DB pension. For some, other arrangements have been made in the past. In that case, Surcharge Scheme 2 or 3 may apply to you. It is not possible to change your benefit plan.    <\/p>\n<p>Would you like to know which allowance scheme you are in? Log in to <a href=\"https:\/\/mijn.spin.nl\/ui\/public\/login\/employee\">My SPIN<\/a> and go to &#8216;Details&#8217;. Under &#8216;Accrued DB pension&#8217; you will see which allowance scheme applies to you.  <\/p>\n<p><a href=\"https:\/\/spin.nl\/wp-content\/uploads\/2025\/01\/Toeslagregeling-1-2025-DEF.pdf\">Payment scheme 1<\/a><\/p>\n<p>The supplement to your DB pension is 75% of the increase in the consumer price index from October 2023 to September 2024. This <u>includes<\/u> effects of VAT, excise taxes and subsidies . This price index increased by 3.5%. Your pension will be increased by 2.63%.   <\/p>\n<p><a href=\"https:\/\/spin.nl\/wp-content\/uploads\/2025\/01\/Toeslagregeling-2-2025-DEF.pdf\">Payment scheme 2<\/a><\/p>\n<p>Surcharge Schedule 2 applies to pensions accrued during the period January 1, 1982 through 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 (CPI). This <u>excludes<\/u> effects of VAT, excise taxes and subsidies. Furthermore, for SPIN, if the consumer price index falls in a year, the supplement is set to zero. This was the case last year. Once the consumer price index rises enough in a subsequent year, a surcharge can be given again. To determine that, we compare the CPI derived in 2022 with the CPI derived in 2024. In this period, the price index increased by 1.11%. Your pension is therefore increased by 1.11%.        <\/p>\n<p><a href=\"https:\/\/spin.nl\/wp-content\/uploads\/2025\/01\/Toeslagregeling-3-2025-DEF.pdf\">Payment scheme 3<\/a><\/p>\n<p>Surcharge Schedule 3 applies if you left IBM between January 1, 1982 and December 31, 1995, and did not transfer your pension to SPIN, but left it with AMEV. The supplement is then, as in supplement scheme 2, based on 100% of the increase in the derived consumer price index. This <u>excludes<\/u> effects of VAT, excise taxes and subsidies. The difference with Surcharge Schedule 2 is that in Surcharge Schedule 3 it is agreed that the surcharge will not exceed an average of 1.75% per year. Here we also look at the past and take into account all the years in which the supplement was lower than 1.75%. Furthermore, if the consumer price index falls in a year, the supplement is set to zero. This was the case last year. As soon as the consumer price index rises enough in a subsequent year, a supplement can be given. To determine this, we compare the CPI derived in 2022 with the CPI derived in 2024. During this period, the price index increased by 1.11%. Your pension is therefore increased by 1.11%.          <\/p>\n<p><strong>Surcharge is not a given<\/strong><\/p>\n<p>Currently, SPIN is in good financial shape. Within our means, we are doing everything we can to keep it that way. However, a supplement cannot be taken for granted. Whether we can increase your pension depends on legislation, general developments and our financial position. SPIN&#8217;s financial position is reflected in our coverage ratio. This also depends on how things are going on the financial markets. Therefore, it may happen that in the future we will not be able to compensate or only partially compensate for price increases.      <\/p>\n<p>You can find the current status of our funding ratio at <a href=\"https:\/\/www.spin.nl\/page\/dekkingsgraad\">spin.co.uk\/defunding-degree<\/a>.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"The SPIN Board has decided to increase DB pensions effective January 1, 2025. In supplement plan 1, your pension will be increased by 2.63%. For allowance schemes 2 and 3, the increase is 1.11%. We are pleased to provide a supplement for all supplement plans. Below we explain how we calculate the supplement for each...","protected":false},"author":8,"featured_media":4442,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[35],"tags":[],"class_list":["post-4458","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-page"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>DB pensions increased by 2025 with a surcharge - Stichting Pensioenfonds IBM Nederland%<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/spin.nl\/en\/page\/db-pensions-increased-by-2025-with-a-surcharge\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"DB pensions increased by 2025 with a surcharge - 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