What is the Dutch pension price for an employer?

To determine what the Dutch pension price is for you as an employer, we have to take several things into account. The pension is funded through contributions from the employee as well as the employer. Usually the employers contribution is a percentage of the employee’s salary. This amount is then set aside per month to build up the employee’s pension. What kind of percentage and structure really depends on the demands of the employer. There is a framework that is most common, however, this is about to change in the new pension system (WTP).

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Dutch pension price example:

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There is a max price limitation in premium of 30% of the Dutch pension salary.
This is legally capped at a salary of € 137,800.
Please note that these are approx. calculation. The premiums depend on age and chosen insurer.

Want to calculate your pension price immediately? Click here.

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Acceptable cost and level of risk

Good pension advice and price for a Dutch Pension benefits scheme enables organisations to provide pension schemes meeting the needs of current and future employees, while also helping them to achieve their organisational objectives. Good pensions mean employees can count on a financially secure retirement, while employers can attract and retain the right people at an acceptable cost and level of risk.

An attractive pension scheme

The key to good pension management, therefore, is to find the right balance between the various competing interests. Providing an attractive pension scheme comes at a cost, while there is also a tension between guaranteeing future pensions and preserving their value. Employers seeking to reduce risks by contracting out their pension scheme management also need to ensure they maintain sufficient control over the details of the pensionbenefits Netherlands scheme.

The Dutch surviving dependants’ pension price

In the new pension system, the surviving dependants’ pension for the employee is insured on a risk basis. This means that surviving dependants’ may be insufficiently insured if the insured is no longer employed and also not yet retired at the time of death. To mitigate that risk, a number of additional obligations have been included in the law:

A run-off period of three months; after termination of employment, the coverage of the partner pension continues for three months. This allows the employee to find a new job during that time, and the risks are then covered again by the new employer. This run-off period is a maximum of three months and expires if the new employment starts earlier.

A run-off period during the unemployment benefit period (WW) for the coverage of the partner pension if the employee enters WW directly after employment.

Possibility for the employee to continue the Dutch partner pension price themselves. This can be the case, for example, if he or she takes a sabbatical or continues as a self-employed person. That coverage then comes at the expense of the accumulated pension capital.

Pensionmanagement specialist

We have the knowledge and experience needed to advise organisations and provide them with a policy framework for resolving these issues. The wealth of knowledge built up during the sector’s long history means it has the expertise to deal with wide-ranging forms of pensions, whether they are defined benefit or defined contribution schemes or a hybrid form. And whether they are part of a sector pension fund or an organisation’s occupational fund or directly insured by an insurance company.

Corporate pension SME employment conditions

A Dutch collective flat rate pension price for the employees is a step many employers hesitate to take. Of course, that is understandable because they are after all employment conditions. But pension means a lot to many employees as an important addition to these employment conditions. Attracting new employees becomes easier and the costs are fiscally more advantageous than paying it out as salary.

Also read “Pension employees the 11 advantages and 3 disadvantages”.

Quotation and Dutch Pension Price

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