{"id":4826,"date":"2022-11-30T15:17:49","date_gmt":"2022-11-30T14:17:49","guid":{"rendered":"https:\/\/spin.nl\/ongecategoriseerd\/rising-prices\/"},"modified":"2026-01-21T15:27:11","modified_gmt":"2026-01-21T14:27:11","slug":"rising-prices","status":"publish","type":"post","link":"https:\/\/spin.nl\/en\/what-happens-at\/rising-prices\/","title":{"rendered":"Rising prices"},"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=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p id=\"\">Your pension becomes worth less over time as prices rise. So you can buy less with the same amount later. We try to allow DB pensions and pension benefits to partially increase with prices each year. We call this increase a supplement.   <\/p>\n<p id=\"\">Please note that only DB pensions and retirement benefits can go up due to a supplement. Pension capitals in the DC plan are not increased. Instead of a supplement, investment returns and\/or additional contributions must compensate for rising prices.  <\/p>\n<h6 id=\"\">Your allowance scheme<\/h6>\n<p id=\"\">SPIN has three supplementary DB pension schemes. Want to know which scheme you fall under? Then check your details in MySPIN.  <\/p>\n<p>Allowance Scheme 1 &#8211; This scheme applies to everyone unless allowance scheme 2 or 3 applies.<\/p>\n<p id=\"\">Surcharge Schedule 2 &#8211; This schedule applies if you are covered by the ruling in Grey Blue Circle&#8217;s lawsuit against SPIN. If so, you will have received written confirmation from us. <\/p>\n<p id=\"\">Under this arrangement are:<\/p>\n<p id=\"\">&#8211; IBM employees who left employment on or before January 1, 1996 and were not yet receiving a pension but transferred to SPIN with their accrued pension from AMEV, unless there was continued pension accrual from an IBM social plan (e.g., HER II) as of January 1, 1996;<\/p>\n<p id=\"\">&#8211; Pensioners who transferred from AMEV to SPIN as of January 1, 1996 and were already receiving a pension as of January 1, 1996.<\/p>\n<p id=\"\">Surcharge Plan 3 &#8211; This plan applies if you left IBM employment between January 1, 1982 and December 31, 1995. At that time, you chose not to transfer your IBM pension to SPIN, but to leave it with AMEV. However, you will receive the supplement on this from SPIN.  <\/p>\n<h6 id=\"\">Surcharge conditions<\/h6>\n<p id=\"\">To grant the supplement, we must at least have sufficient financial resources. Our coverage ratio reflects our financial position and is used as a guide when granting the supplement. The board also takes general economic developments into account when granting it. Every year in January, the SPIN board decides on this. The supplement is therefore not a foregone conclusion.    <\/p>\n<p id=\"\">\u200d<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Information on the surcharge scheme for the DB pension.<\/p>\n","protected":false},"author":1,"featured_media":4326,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[37],"tags":[],"class_list":["post-4826","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-what-happens-at"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Rising prices - 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\/what-happens-at\/rising-prices\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rising prices - 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