What remains and what may change?
Existing retirement pension does not disappear simply because you leave. That does not guarantee an unchanged amount: investments, increases, reductions and transition to a new scheme may affect it. No new contribution does not mean no investment return or indexation.
Paid-up old rights differ from further contribution-free accrual during disability. Ask which applies. Unemployment benefit normally does not automatically continue workplace pension accrual. AOW depends on SVB insurance rules, not the presence of an employment contract alone.
Voluntary continuation
Your provider must offer continuation and you must meet conditions. An unconditional universal right or a general two-month application deadline is incorrect. PFZW and StiPP normally state nine months after employment ends; immediately ask your own provider about the deadline, start date and evidence required.
Many schemes allow up to three years, with different durations possible in special cases. Self-employment may permit a longer period subject to conditions. You normally pay more yourself because employer contributions cease. Compare cost, risk cover, available reserves and other commitments before deciding.
Survivors and a new job
Death-risk cover can change after leaving, but does not always end immediately. Run-off cover, coverage during benefits and voluntary continuation may apply. Obtain written confirmation of how long your partner and children remain covered and which steps are needed.
Transfer to a new provider is optional and does not guarantee a better pension. The old six-month deadline does not apply to new participation after a job change from 1 January 2015. Small pensions have separate rules. Also check the effect of leaving or changing jobs on Wtp compensation.
Check termination arrangements
Clearly record the end date, pay during release from duties, contributions and additional agreements. A termination payment is not automatically a tax-free pension contribution. Have a suitable external lawyer or authorised adviser review a settlement agreement; employer arrangements must also be executable under the pension scheme.
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 partner cover always end immediately?
No. Ask about run-off cover, coverage during benefits and voluntary continuation.
Is voluntary continuation always my right?
No. The provider must offer it and you must meet the conditions.
Sources and reference date
Reference date: 28 October 2026. Check your own scheme and current conditions before deciding.