Complain clearly to the provider first
Explain what you consider wrong, identify the decision or information and state the remedy you seek. Keep documents and responses. Follow the internal complaints procedure. AFM explains that a dispute about administering scheme rules can arise after rejection or if the complaint is not resolved within twelve weeks.
Then check with the competent dispute body whether your case meets its scope and submission deadlines. A general objection to legislation or an employment dispute is not automatically an admissible dispute with your fund.
Mediation and adjudication differ
At GIP, the Ombudsman seeks a solution accepted by both parties. Participation in mediation is voluntary. The case handler is impartial and is not your lawyer.
If mediation fails, or you do not choose it, the disputes committee can adjudicate. Subject to its rules, you may choose a binding or non-binding ruling. Above a financial interest of €250,000, the ruling is non-binding unless the parties agree otherwise. A binding ruling binds both parties; ask beforehand what that means for later court proceedings.
Use the correct body
GIP handles eligible disputes with affiliated pension funds. Pension insurance and PPI disputes go to Kifid. AFM and DNB supervise; reporting a concern to them does not replace individual dispute resolution.
Filing and treatment by GIP's disputes committee are free. Ask about current steps, any costs of your own legal assistance and expected handling of your case. Do not assume a guaranteed duration or result. Consult a legal adviser where needed about urgency, deadlines and any damages claim.
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 mediation the same as a binding ruling?
No. Mediation seeks agreement; the disputes committee may subsequently issue a binding or non-binding ruling.
Do pension insurer complaints also go to GIP?
No. Kifid is the designated dispute body for pension insurers and PPIs.
Sources and reference date
Reference date: 28 October 2026. Check your own scheme and current conditions before deciding.