Questions if you are accruing pension with StiPP
Are you accruing pension with StiPP? Read the answers to frequently asked questions about the new pension scheme:
In the new pension system, all employees will accrue pension in a defined contribution scheme. The StiPP pension scheme is already a defined contribution scheme. This means that you will continue to accrue pension in the same way. You will also remain insured for death and – under certain conditions – for incapacity for work.
There will be one new pension scheme
In the new pension scheme, the current Basic and Plus schemes will be terminated and a single new pension scheme will be introduced. From 1 January 2026, all employees in the temporary employment sector will therefore have the same scheme in which they will accrue pension from the first day of the month that they are 18 years old until the state pension date. In the new scheme, the premium is the same for everyone.
Would you like to know more about what is changing? Then read the summary of the transition plan. The transition plan contains choices and agreements about the new pension rules.
You will accrue more pension
You will contribute more pension so that you accrue more pension. You and your employer will also pay more pension contributions for this. The pension contribution will be 23.4% of the pension base. You pay 7.5% of this and your employer pays 15.9%. Of that 23.4%, 20% is intended for the accrual of retirement pension for yourself and any survivor's pension after the retirement date. The rest are for:
1. Insuring your partner and children if you die before the retirement date.
2. Insuring the continued accrual of pension if you become incapacitated for work.
3. The costs of implementing the scheme and of maintaining buffers.
You will accrue more pension and pay more contributions for this. As in the current StiPP Plus scheme, you do this together with your employer. The pension contribution will be 23.4% of the pension base. You pay 7.5% of this and your employer pays 15.9%. Of that 23.4%, 20% is intended for the accrual of retirement pension for yourself and any survivor's pension after the retirement date.
You will receive a message from us in the autumn of 2025. This contains a provisional calculation of your expected pension in the new pension scheme. You will receive the final calculation from us in 2026.
On My StiPP Pension you can find out how much pension you have accrued with StiPP. This money will buy you a pension when you retire.
In the new scheme, employees over the age of 60 will accrue less pension than in the current scheme. That is why employees who are expected to have less pension on the retirement date in the new pension scheme will receive compensation. When they switch to the new pension scheme, they will receive a one-off extra amount in addition to their individual pension assets. This amount comes from StiPP's fund assets. This is therefore subject to the condition that StiPP's financial situation allows it.
Anyone who accrues pension with StiPP and meets the conditions can continue to accrue pension for the part that they are incapacitated for work. This is called non-contributory continuation of pension accrual in connection with incapacity for work. StiPP will then take over the payment of the premium.
If you die while accruing pension with StiPP, your partner will receive a lifetime benefit. The amount of this benefit is a percentage of the average last-earned salary over 12 months. The social partners expect this percentage to be at least 30%. The final percentage will be determined by 1 October 2025.
If you die while accruing pension with StiPP, your children will receive benefits until they reach the age of 25. The amount of this benefit is a percentage of the average last-earned salary over 12 months. This percentage shall be determined by 1 October 2025 at the latest.
No, you don't have to do anything. StiPP will keep you informed of all the news about the new pension scheme in the near future. You will receive a message from us at the end of 2025. This contains a provisional calculation of your expected pension assets in the new pension scheme. You will receive the final calculation from us in 2026.
On mijnpensioenoverzicht.nl , you can already see how much pension you have accrued through your employer so far. And how much AOW you will receive. This way, you know what you are expected to get when you retire.