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Pension Planner
My Pension
Pension 123
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Marriage / partnership

What could be better than sharing your life with the one you love? You must realise, though, that getting married or moving in with someone will affect your pension.

Frequently asked questions

If I get married, register my partnership or start cohabiting with my partner, what do I need to report to the pension fund?

If you get married or register your partnership
The municipal personal records database (Basisregistratie Personen or BRP) will automatically report your marriage or registered partnership to us. You do not need to take any action. 

Cohabitation
The municipal personal records database (Basisregistratie Personen or BRP) will automatically report your new address to us. If you wish to arrange for partner pension, you will have to report this to the pension fund. Partner pension is subject to certain conditions, which you can find in the pension regulations (Dutch only). 

Partner pension is very important to me. How do I arrange for this if I get married or start cohabiting?

If you get married or register your partnership
You do not need to take any action to register your partner for partner pension.  

Cohabitation
If you start cohabitating, you can register your partner by submitting the form ‘Register your partner’. If you were already employed by ING before 1 January 2014 and your partner was already registered with Pensioenfonds ING, you can register your partner by way of a digital power of attorney. Contact the Pension Desk in case you need help to complete the form.

I still have pension in Pensioenfonds ING. Do I need to report anything to them or will you do you that for me?

You will only need to report to us if you start cohabitating. You must report the information to each pension fund separately. To ING CDC Pensioenfonds by logging into your personal account in My Pension. Contact the Pension Desk in case you need help.

I got married abroad but I live in the Netherlands. What action do I need to take?

You must register your marriage with the municipality in which you reside. The municipality will then report your marriage to us automatically.

I got married abroad and I live abroad. What action do I need to take?

You must send us a copy of your marriage certificate.

 

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.

Getting married or registering a partnership while you are employed

If you work for ING and get married in the Netherlands or register a partnership in your municipality, your partner will automatically become entitled to partner pension when you pass away. You don’t need to take any action. However, if you want your partner’s income to be 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.

If you get divorced, this will affect your pension.

Your ex-partner will be entitled to special partner pension. In addition, you and your ex-partner will both be entitled to half of the old-age pension that was built up during your marriage. These are the standard conditions that have been provided by law. You and your ex-partner can decide to deviate from them and agree on other terms, subject to certain conditions.

Moving in with someone while you are employed

What happens if you work for ING and move in with someone? If you want your partner to be entitled to  partner pension when you pass away, you will have to report him/her to ING CDC Pensioenfonds. The pension fund will inform you whether they have accepted your partner.

Acceptance of your partner is subject to certain conditions, such as:

  • Your pension has not yet started.
  • You and your partner are not married or registered partners with someone else.
  • You and your partner are running a household together for more than six months.
  • If you have been living together for less than five years, you will need a cohabitation contract signed by a civil-law notary. The contract must cover the duty to provide mutual support.
  • You and you partner are not related to each other in the first degree.

If you end your relationship with the person you’re living with, you and your ex- partner will not need to share the old-age pension that accrued while you were living together. If you should pass away when the relationship has already ended, your ex- partner will be entitled to special partner pension. If you want your partner’s income to be 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.

Getting married abroad while you are employed

If you get married abroad while you are employed by ING, your partner will be entitled to partner pension when you pass away. You must report your marriage to ING CDC Pensioenfonds by sending them a certified copy of your marriage certificate. If you want your partner’s income to be 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.

Getting a divorce

If you get divorced, this will affect your pension.

Your ex-partner will be entitled to special partner pension. In addition, you and your ex-partner will both be entitled to half of the old-age pension that was built up during your marriage.

These are the standard conditions that have been provided by law. You and your ex-partner can decide to deviate from them and agree on other terms, subject to certain conditions.

Marriage, registering a partnership or moving in with someone after your pension date

f your pension has already started and you decide to get married, register a partnership at your municipality or move in with someone, your partner will not be entitled to any partner pension.

Marriage, registering a partnership or moving in with someone after your employment has ended

What happens if you work for ING and move in with someone? If you want your partner to be entitled to partner pension when you pass away, you will have to report him/her to ING CDC Pensioenfonds. The pension fund will inform you whether they have accepted your partner.

Acceptance of your partner is subject to certain conditions, such as:

  • Your pension has not yet started.
  • You and your partner are not married or registered partners with someone else.
  • You and your partner have been living together at the same address for more than six months.
  • If you have been living together for less than five years, you will need a cohabitation contract signed by a civil-law notary. The contract must cover the duty to provide mutual support.
  • You and you partner are not related to each other in the first degree.

If you end your relationship with the person you’re living with, you and your ex-partner will not need to share the old-age pension that accrued while you were living together. If you should pass away when the relationship has already ended, your ex-partner will be entitled to special partner pension. If you want your partner’s income to be 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. 

Getting married or registering a partnership after your employment has ended

If you used to work for ING and get married in the Netherlands or register a partnership in your municipality, your partner will automatically become entitled to the partner pension that was built up during your employment when you pass away. You don’t need to take any action. However, if you want your partner’s income to be 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.

Moving in with someone after your employment has ended

What happens if you work for ING and move in with someone? If you want your partner to be entitled to partner pension when you pass away, you will have to report him/her to ING CDC Pensioenfonds. The pension fund will inform you whether they have accepted your partner. 

Acceptance of your partner is subject to certain conditions, such as:

  • Your pension has not yet started.
  • You and your partner are not married or registered partners with someone else.
  • You and your partner are running a household together for more than six months.
  • If you have been living together for less than five years, you will need a cohabitation contract signed by a civil-law notary. The contract must cover the duty to provide mutual support.
  • You and you partner are not related to each other in the first degree.

If you end your relationship with the person you’re living with, you and your ex-partner will not need to share the old-age pension that accrued while you were living together. If you should pass away when the relationship has already ended, your ex-partner will be entitled to special partner pension. If you want your partner’s income to be 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.

Getting married abroad after your employment has ended

If you get married abroad after your employment with ING has ended, your partner will be entitled to partner pension when you pass away. You must report your marriage to ING CDC Pensioenfonds by sending them a certified copy of your marriage certificate. If you want your partner’s income to be 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.

Getting a divorce

If you get divorced, this will affect your pension.

Your ex-partner will be entitled to special partner pension. In addition, you and your ex-partner will both be entitled to half of the old-age pension that was built up during your marriage.

These are the standard conditions that have been provided by law. You and your ex-partner can decide to deviate from them and agree on other terms, subject to certain conditions. It is advisable to consult with an advisor on this matter.

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