Participation and accrual
The affiliated employer and applicable rules determine participation. There is no general ABP requirement to work more than thirteen hours weekly. Ask what applies to a short or part-time job.
ABP is preparing transition to the new scheme on 1 January 2027. Current information and your transition statements explain the changes. Do not assume the new scheme already applies to everyone in 2026 or that a standard percentage of final salary is guaranteed.
Contributions in 2026
ABP’s 2026 table lists the regular retirement/partner contribution at 27.1% of the pension base:18.97% employer and 8.13% employee, with a contribution offset of €19,200. These are percentages of the base, not shares of the total contribution.
Disability premiums vary by sector and have their own parameters. Special arrangements, including military pensions, need separate checking. Use the correct table and do not automatically equate the contribution offset with every accrual parameter.
Part-time work, job changes and choices
ABP accounts for part-time work in its calculation; do not simply deduct a full offset from actual part-time pay. Check pensionable income and the part-time factor.
Accrued rights can remain after departure; new accrual depends on your next situation. Transfers have conditions. Earlier or later retirement, partner cover and sector arrangements require a personal provider calculation. AOW remains a separate statutory provision.
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
Is ABP’s current transition date in 2026?
No. Transition to the renewed scheme is planned for 1 January 2027.
Is 27.1% always the complete bill?
No. Check sector-specific disability premiums and any special arrangements too.
Sources and reference date
Reference date: 28 October 2026. Check your own scheme and current conditions before deciding.