{"id":4685,"date":"2025-09-18T16:24:01","date_gmt":"2025-09-18T14:24:01","guid":{"rendered":"https:\/\/spin.nl\/ongecategoriseerd\/important-after-retirement\/"},"modified":"2026-07-23T12:49:12","modified_gmt":"2026-07-23T10:49:12","slug":"important-after-retirement","status":"publish","type":"post","link":"https:\/\/spin.nl\/en\/content\/important-after-retirement\/","title":{"rendered":"Important after retirement"},"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>Now that you are retired, other things become important. No longer, when will my salary be deposited, but when will I receive my retirement benefits? No longer, will I get a pay raise, but how can I best make ends meet in retirement? You can read about this and other issues here.   <\/p>\n<p><strong>Payment dates<\/strong><\/p>\n<p>Our <a href=\"https:\/\/spin.nl\/en\/content\/pension-received\/\">website<\/a> shows you when we pay pensions to you. You will receive an annual statement at the beginning of each year for the past year and a gross\/net specification for the new year. You will also receive a gross-net specification in the event of interim changes to your pension benefit.  <\/p>\n<p><strong>Surcharge<\/strong><\/p>\n<p>Every January, we provide an update on any potential increase in the DB pension. SPIN has three different benefit adjustment schemes. You can see which allowance plan you are enrolled in under your <a href=\"https:\/\/mijn.spin.nl\/ui\/employee\/content\/personaldata\">personal information in<\/a> MijnSPIN. And on the homepage of <a href=\"https:\/\/spin.nl\/en\/\">www.spin.nl<\/a>, we explain how the allowances are calculated under the various plans.   <\/p>\n<p>Do you have a pension based on DC capital? If so, you have made arrangements with the insurer through which you are converting your capital into a pension benefit regarding a possible annual increase. <\/p>\n<p><strong>Payroll tax credit<\/strong><\/p>\n<p>Anyone living in the Netherlands may apply wage tax credits to their income. The moment wage tax credit is applied, less tax is immediately deducted from your benefit each month. You determine the income to which this discount is initially applied. Generally, it is recommended that you apply the rebate to your highest income. But beware: with multiple incomes, applying the payroll tax credit each month may cause you to have to pay taxes later. You can also choose not to apply a monthly wage tax credit, but instead reclaim the wage tax retrospectively through the annual tax return. Read more about the <a href=\"https:\/\/www.belastingdienst.nl\/wps\/wcm\/connect\/nl\/werk-en-inkomen\/content\/loonheffingskorting-meerdere-inkomens#:~:text=Loonheffingskorting%20is%20een%20korting%20op,kunt%20krijgen%20is%20%E2%82%AC%203.068.\">wage tax credit<\/a> here.      <\/p>\n<p>You can apply for or change payroll tax credits through <a href=\"https:\/\/mijn.spin.nl\/ui\/public\/login\/employee\"><em>MySPIN<\/em><\/a>. Log in with your DigiD and then go to <em>Directly arrange<\/em>. Then click on &#8216;Adjust wage tax credit&#8217;.  <\/p>\n<p><strong>Retirement abroad<\/strong><\/p>\n<p>You can read all about retirement abroad <a href=\"https:\/\/mijn.spin.nl\/ui\/employee\/content\/foreignpension\">here<\/a>.<\/p>\n<p><strong>Grey Blue Circle<\/strong><\/p>\n<p>IBM retirees have joined together to form the Grey Blue Circle. You can <a href=\"https:\/\/www.greybluecircle.nl\/\">join<\/a> after retirement and keep in touch with your former colleagues. <\/p>\n<p>\u200dJW<strong>Schotte Fund\u3011<\/strong>.<\/p>\n<p>Are you a member of the Schotte Fund? Then, even after you retire, you can apply for financial assistance from the fund&#8217;s coordinator. He can be reached at <a href=\"mailto:schottefonds@nl.ibm.com\">schottefonds@nl.ibm.com<\/a> or by phone at +31 (0)20 &#8211; 513 3990.  <\/p>\n<p><strong>New pension plan<\/strong><\/p>\n<p>The DB pension you receive from SPIN will not be converted to a new plan. This means that nothing will change about your pension benefit from SPIN from the Wtp. SPIN will continue to manage and pay out your pension. Want to know more? Then look <a href=\"https:\/\/spin.nl\/en\/new-pension-system\/\">here<\/a>.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"Now that you are retired, other things become important. No longer, when will my salary be deposited, but when will I receive my retirement benefits? No longer, will I get a pay raise, but how can I best make ends meet in retirement? You can read about this and other issues here. Payment dates Our...","protected":false},"author":8,"featured_media":4289,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[36],"tags":[],"class_list":["post-4685","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-content"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Important after retirement - 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\/content\/important-after-retirement\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Important after retirement - 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