Calculation examples
Check the calculation examples with the pension in the current and new pension scheme.
This page tells you what the new pension system means for our pension scheme. For example, much remains the same. You can also go directly to our frequently asked questions, timeline or other information about the new pension scheme.
This is what we are keeping
Employers' and employees' organisations in the merchant navy have reached new agreements on our pension scheme. However, the basics remain as you are used to.
State pension and occupational retirement pension will remain in place
When you retire or if you are already retired, you will continue to receive your state pension and pension from us for as long as you live.
Pensions will remain a collective endeavour
In the merchant navy sector, we continue to arrange pensions together. Now and in the future. This is how we do it:
- We share risks with each other, such as in the event of occupational disability or death.
- We keep costs down by investing together.
- Everyone working in the merchant navy sector builds up a pension at Bpf Koopvaardij.
Pension for surviving dependants will remain in place
Under the new scheme, your surviving dependants will still receive an income should you pass away. You will also continue to build up pension if you become fully or partially occupationally disabled.
This is what we are renewing
The new pension scheme applies to everyone, even if you are already receiving a pension. These are the 3 most important new agreements:
Your pension is more personal and transparent
Under the new rules, everyone will build up a pension through a ‘defined contribution scheme’, i.e. agreements are made on how much money you and your employer will contribute to your pension. This money goes into your personal pension assets. This way, you can see how much you and your employer have contributed, what the investments have yielded and how much pension you can expect to receive. When you retire, you will receive a monthly pension from your personal pension assets.
Your pension will move in line with the economy, but will become more stable as you get older
The new rules will ensure that your pension can increase more quickly if the economy is performing well. It can also decrease in less favourable times. However, such fluctuations will be less if you are retired or nearing retirement. And there is an important reason for this. Younger workers have more time to absorb investment setbacks than older workers or pensioners. Therefore, we take less and less risk with investments as you get older. This makes your pension more stable. Good to know: disappointing investments can also be absorbed or mitigated in other ways. For example, by building up a buffer in favourable years (the 'solidarity reserve'). This means we can cover deficits in less favourable years. In this way, we ensure that the pensions of pensioners remain as stable as possible and fluctuate with the minimum possible impact. That fluctuation does not happen more than once a year.
Simpler rules for surviving dependants’ pension
What happens if you pass away before you retire?
If you pass away while still in service, your surviving dependants will receive 25% of the salary on which you built up your pension. Even if you have only just joined your employer. In that case, it won’t matter how many years you have worked. If you had already built up a surviving dependants' pension before the new pension rules came into effect, your surviving dependants will also be entitled to this pension.
What happens if you pass away after you have retired?
If you pass away after retirement, the surviving dependants’ pension will remain based on what you have built up. It amounts to about 70% of the pension you receive at that time. This includes the surviving dependants’ pension you built up before the effective date of the new pension rules. On your retirement date, you choose the amount of the partner's pension you want to insure.