As an employee of the UT, you are obliged to accrue a pension with the ABP (General Civil Pension Fund).
This is the pension fund for the government and education sectors. Pension is a valuable employment condition. Together with the employer, you put money into your pension pot every month. You pay about 30% yourself, and the UT as an employer pays about 70%.
The ABP pension scheme includes three group pensions: ABP KeuzePensioen (old-age pension), ABP nabestaandenpensioen (Surviving dependants' pension) and ABP Arbeidsongeschiktheidspensioen (Disability pension).
Every year, APB sends you an overview of the pension you have accrued with them. In addition, ABP has an online 'my-environment': via MyABP, you have direct digital access to your own pension data. You can make calculations and simulate pension options. You can log in to MyABP with your DigiD.
On www.abp.nl, you will find more information about ABP and the ABP pension scheme. There is also a handy checklist (in Dutch) in which you will find general explanations about the pension system and what you should do in the event of changes in your work or private life.
On www.mijnpensioenoverzicht.nl, you can see how much AOW (state pension) and supplementary pension you have accrued and with which Dutch pension providers (pension funds such as ABP and pension insurers). You can access this data with your DigiD.
New Pension Scheme as of 1 January 2027
As of 1 January 2027, new rules will apply to your pension. Much remains the same. For example, the state pension (AOW) will continue to exist, you will continue to contribute pension contributions together with the UT, and financial windfalls and setbacks will be absorbed.
Things are also changing. These changes will affect your own pension and the pension of your surviving dependants if you die. On the ABP website, you will find extensive information about what the new pension system means for you.
Pension compensation (40 to 68 years)
Until 2026, you accrue the same amount of pension with every euro of contribution, regardless of your age. This will change in the new pension scheme. Younger employees accrue relatively more pension, because their contribution can be invested for longer and can grow with the results.
As a result, the transition to the new pension system may be less favourable for employees who are accruing a pension and are between 40 and 68 years old. Therefore, a pension compensation has been agreed for this group.
The pension compensation for this age category:
- applies if you accrue pension with ABP on 31 December 2026;
- will only be definitively adopted after 1 January 2027;
- depends on ABP's financial position at the time of the transfer.
Please note!
In some situations, the pension compensation may be lower or expire completely, for example, if in 2026 you:
- (temporarily) work fewer hours;
- leave employment; or
- retire early.
On the ABP website, you will find more information, and you can check whether you can receive pension compensation and how any changes in your work in 2026 may affect the compensation. In 2026, always ask ABP for advice on any consequences for compensation in the event of these changes to your work.
Pension supplement (35-44 years)
The board of ABP has also decided to give a supplement to the pension to participants aged 35 to 44 who are accruing pension during the transition to the new scheme. There is room for this, as long as the funding ratio is above 105% at the time ABP switches to the new scheme. A similar calculation applies as for the pension compensation, and changes in your work situation in 2026 may mean that you do not receive the supplement or that it is lower.
Get informed: webinar on 19 March 2026
ABP is organising a webinar on the new pension scheme on 19 March 2026 at 7:00 p.m. You can register via the ABP website.
Or go to one of the meetings in the country. Here it is: full is full.
Pension information in English
Pension accrual capped ON annual income OF €137,800
The mandatory accrual of the old-age and survivor's pension in the ABP pension scheme is capped at a full-time annual income of €137,800 (in the case of part-time pro rata). For income above this amount, you can take out a net pension product from ABP voluntarily. However, this product will stop because of the transition to the new pension system. From 1 March 2026, no new participants will be admitted. For current participants, the scheme will end on 1 June 2026. They have been informed about this by ABP. More information about the net pension scheme can be found on the ABP website.
My ABP and ABP customer service
As an employee, you can find most information about your ABP-pension at MyABP. Answers to questions that cannot be found there can be asked to the ABP customer service. For complex issues, an individual meeting with a pension advisor is scheduled via customer service.
Contact
If you have any questions about your personal situation, you can also contact the HR department of your faculty or service.
For ideas, comments or adjustments to this page, please email webteam-hr@utwente.nl