Pension accrual at ABP


As a member of staff of the University of Twente you are obliged to accrue a pension with the ABP (Algemeen Burgerlijk Pensioenfonds) pension fund. This is the pension fund for the government and education sectors.

The ABP pension plan comprises three group pensions: ABP KeuzePensioen (old age pension), ABP Nabestaandenpensioen (surviving dependants' pension) and ABP Arbeidsongeschiktheidspensioen (occupational disability pension).

You can find more information about ABP and the ABP pension plan on

Each year, ABP sends you a statement of the pension that you have accrued with them. In addition, ABP has an online 'personal environment': via MijnABP (only Dutch) you have direct digital access to your own pension details. You can make calculations and simulate pension options. You can log on to MijnABP with your DigiD.

On you can see how much statutory old age pension and supplementary pension you have accrued and with which Dutch pension providers (pension funds and pension insurers). You can access this data with your DigiD.

pension accrual for annual incomes above €112.189 

In the ABP pension plan the compulsory accrual of the old-age and survivors' pension is maximized on a full-time annual income of
€ 112,189.- (reference date: 1 January 2021, pro rata with part time). On a voluntary basis you can take out a net pension product* for income above this maximum.

  • More information for annual incomes above € 112,189

    The tax rules for pension accrual changed on 1 January 2015. The accrual of the old-age and survivors' pension is therefore maximized on a full-time annual income of

    € 112,189 (reference date: 1 January 2021, pro rata with part time). On income above this amount, you no longer accrue compulsory old-age or survivor's pension in the ABP pension scheme.

    Net pension products

    If you have an ABP annual income of more than € 112,189, you can (partly) offset the austerity on your pension accrual with an additional net pension product for the salary above € 112,189. The ABP annual income can be found on your payslip (top right).

    For this purpose ABP offers the ABP Net pension.

    For the sake of clarity: taking out a net pension product is not an obligation. You can also choose not to top up the pension you have built up in the ABP pension scheme. This of course affects the height of the pension that is paid upon retirement or death.

    Avoid medical examination

    When you register for net pension products, you may have to undergo a medical examination. However, by registering within 3 months of becoming eligible for the pension scheme for the first time, you can avoid the need for such an examination.

personal advice

Do you need personal advice about your pension situation? Make an appointment with ABP Klantsupport (customer service) for the consultation that ABP pension specialists organise at the University of Twente.


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