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Pension Planner
My Pension
Pension 123
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Children

Will you be having a baby soon? Congratulations! Of course, you want your child to be well taken care of, even if you pass away. This is why orphans’ pension is available for your children.

Frequently asked questions

If I have children, what do I need to report to the pension fund?

Personal details concerning your children are not recorded in our systems. If you pass away, we will request the municipal personal records database (Basisregistratie Personen or BRP) to provide us with these details.

Are my partners children eligible for pension?

Your partner’s children are eligible for orphans’ pension. This is subject to certain conditions, which you can find in the pension regulations.  For more information, please contact the Pension Desk.

Until what age will my children receive orphans' pension if I pass away?

Until the month in which they turn 18. The child’s right to receive orphans’ pension can be prolonged if, for example, your child goes to college or runs the family household. In any case, the right to receive orphans’ pension ends when your child turns 27.

Will having children effect my pension?

Having children will not affect your pension unless you decide to reduce your working hours. Note, however, that the total amount of orphans’ pension is capped if you have more than five children. For more information, please contact the Pension Desk. 

What do I need to report if I have stepchildren or foster children?

If you have any stepchildren, you do not need to report anything to us, as the municipal personal records database (Basisregistratie Personen or BRP) will automatically report this to us. If you have any stepchildren that do not reside at your address but are supported by you, you must report them to us. If you have any foster children, you must report them to us.

 

Below you will find a summary of the relevant elements of this life event. Click on the header title to unfold it and see the information.

Having children while you are employed by ING

If you have children or stepchildren while you are employed by ING, you do not need to report this to ING CDC Pensioenfonds. If necessary, we will request your municipality to provide us with your children’s details. Foster children, however, must be reported to ING CDC Pensioenfonds by sending us a letter. ING CDC Pensioenfonds will have to accept registration of your foster children.

Payment of orphans' penson

Orphans’ pension through ING CDC Pensioenfonds
Should you pass away, your children will be entitled to orphans’ pension until the month in which they turn 18. This is also the case for stepchildren and, subject to certain conditions, your foster children. If you have more than five children, orphans’ pension is limited to a maximum amount.

‘Children’ also includes stepchildren and foster children raised and supported by you. You must register a foster child with ING CDC Pensioenfonds, which ING CDC Pensioenfonds in turn must accept. Make sure this is in order.

A child’s right to receive orphans’ pension can be prolonged if, for example, your child goes to college or runs the family household. In any case, the right to receive orphans’ pension ends when your child turns 27.

Orphans’ pension and the law
Under the General Surviving Dependants Act (ANW), your partner is entitled to additional survivor benefits as long as your children are not yet 18 years old. Conditions:

  • You live or work in the Netherlands.
  • Your partner is younger than the pensionable age for state old-age pension (AOW).
  • The children are your own children and your partner cares for these children.

The additional survivor benefits under the General Surviving Dependants Act (ANW) are paid by the state. The Social Insurance Bank (Sociale Verzekeringsbank - SVB) will pay these benefits after you have passed away. Visit their website for up-to-date information.

Higher income for your children
If you want to make sure your children’s income is higher when you pass away, you must take out insurance to cover this. If you think this might be relevant to you, you should contact an advisor

Annual statement of orphans’ pension
Once a year, you receive a Uniform Pension Overview (UPO), which also states the amount of orphans’ pension your children will receive if you pass away.

Orphans’ pension benefits after your pension has started
If you pass away when your pension has already started, your children will be entitled to orphans’ pension until the month in which they turn 18. This is also the case for stepchildren and, subject to certain conditions, your foster children.

‘Children’ also includes stepchildren and foster children raised and supported by you. You must register a foster child with ING CDC Pensioenfonds, which ING CDC Pensioenfonds in turn must accept. Make sure this is in order.

A child’s right to receive orphans’ pension can be prolonged if, for example, your child goes to college or runs the family household. In any case, the right to receive orphans’ pension ends when your child turns 27.

If you pass away after your pension has started, the orphans’ pension will amount to 14% (on average) of your the old-age pension you built up at the pension fund.

If you pass away, this does not need to be reported. You municipality will report your passing away to ING CDC Pensioenfonds, which in turn will request the municipality to provide details of your children. ING CDC Pensioenfonds will then inform your surviving dependants about orphans’ pension, among other things.

Additional insurance?
If you have taken out additional insurance, your surviving dependants will need to contact your insurance company to arrange for payment. If you think this might be relevant to you, you should contact an advisor.

Orphans' pension benefits after your employment with ING has ended

Orphans’ pension through ING CDC Pensioenfonds
If you pass away when you are no longer working for ING, the orphans’ pension will amount to 14% (on average) of the old-age pension you built up at ING CDC Pensioenfonds, provided you did not transfer your pension from ING CDC Pensioenfonds to a different pension fund. Your children will be entitled to orphans’ pension until the month in which they turn 18 or, if your children go to college, until they turn 27. This is also the case for stepchildren and, subject to certain conditions, your foster children.

‘Children’ also includes stepchildren and foster children raised and supported by you. You must register a foster child with ING CDC Pensioenfonds, which ING CDC Pensioenfonds in turn must accept. Make sure this is in order.

A child’s right to receive orphans’ pension can be prolonged if, for example, your child goes to college or runs the family household. In any case, the right to receive orphans’ pension ends when your child turns 27.

Orphans’ pension and the law
Under the General Surviving Dependants Act (ANW), your partner is entitled to additional survivor benefits as long as your children are not yet 18 years old. Conditions:

  • You live or work in the Netherlands.
  • Your partner is younger than the pensionable age for state old-age pension (AOW).
  • The children are your own children and your partner cares for these children.

The additional survivor benefits under the General Surviving Dependants Act (ANW) are paid by the state. The Social Insurance Bank (Sociale Verzekeringsbank - SVB) will pay these benefits after you have passed away.

Annual statement of orphans’ pension
Once a year, you receive a Uniform Pension Overview (UPO), which also states the amount of orphans’ pension your children will receive if you pass away. If you’d like to know the current amount, just contact us through the Pension Desk at 
088 - 1162 411.

Orphans’ pension benefits
If you pass away when you are no longer working for ING, the orphans’ pension will amount to 14% (on average) of the old-age pension you built up at ING CDC Pensioenfonds (depending on the pension plan that applies to you). This only applies if you did not transfer your pension from ING CDC Pensioenfonds to a different pension fund. If you have more than five children, each child’s orphans’ pension will be limited to a maximum amount.

Your passing away does not need to be reported. Your municipality will report your passing away to ING CDC Pensioenfonds, which in turn will request the municipality to provide details of your children. ING CDC Pensioenfonds will then inform your surviving dependants about orphans’ pension, among other things.

Additional insurance?
If you have taken out additional insurance, your surviving dependants will need to contact your insurance company to arrange for payment. If you think this might be relevant to you, you should contact an advisor.

 

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