Identify the precise scheme
The Wet verplichte beroepspensioenregeling permits compulsory participation for certain professions. Check the mandatory scope, exceptions and current rules with the provider. Employment and self-employment may lead to different assessments.
For example, SPMS operates a professional pension scheme for self-employed medical specialists within its scope. This does not mean every doctor in the Netherlands belongs to SPMS. Ask the fund to assess any uncertainty about your position.
Older funds and different legal categories
Not every fund named after a profession is legally a beroepspensioenfonds. DNB registers Stichting Pensioenfonds Notariaat as an industry-wide pension fund. Check the current register and participation conditions rather than relying on its name.
The dentists' and dental specialists' pension fund has been closed to new members and contributions since 1997. Existing rights can still be administered there. An old fund name therefore does not prove that new practitioners can still accrue a pension with it.
Practical checks
Ask who operates your pension, when membership starts, how contributions are calculated and what death or disability cover applies. Check what changing your working arrangement means. No universal contribution table or automatic exemption covers every independent profession.
Existing entitlements and a scheme for new accrual are different matters. For changes under the new pension rules, use current information from your own provider.
What does BPH do?
Bureau Pensioen Hulp has no AFM licence. BPH provides general education and, on request, can introduce you to an external adviser using contact details only. BPH does not provide personal product recommendations, compare products for you or mediate in arranging them. Check an external adviser’s authorisation, services and fees yourself.
Frequently asked questions
Does every doctor belong to SPMS?
No. Check its scope, your work and any exceptions with SPMS.
Can new dentists still accrue benefits with SPT?
The fund has been closed to new members and contributions since 1997; existing rights are a separate matter.
Sources and reference date
Reference date: 28 October 2026. Check your own scheme and current conditions before deciding.