A new partner, or a divorce? This will affect your pension, and the choices you have to make when you retire. For instance, arranging a pension for your surviving dependants or a higher pension benefit initially and a lower benefit later on?
![](/sites/iffpensioenfonds.nl/files/styles/thumbnail/public/IFF_ouderdomspensioen_3.png?itok=iO_hJ_XZ)
Starting employment
You begin accruing pension automatically, for when you retire and for your surviving dependants if you die.
![](/sites/iffpensioenfonds.nl/files/styles/thumbnail/public/IFF_samenwonen_trouwen_0.png?itok=o-f7aYXZ)
If you get married or enter into a registered partnership
Your partner is immediately insured for a benefit if you die. And your children as well.
![](/sites/iffpensioenfonds.nl/files/styles/thumbnail/public/IFF_scheiden_1.png?itok=egow3k7U)
Separation
Make agreements regarding the division of your retirement pension and special partner’s pension for your former partner.
![](/sites/iffpensioenfonds.nl/files/styles/thumbnail/public/IFF_arbeidsongeschiktheidspensioen_2.png?itok=YtqpnVgF)
Incapacitated for work
We will contact you in this case.
![](/sites/iffpensioenfonds.nl/files/styles/thumbnail/public/IFF_buitenland_0.png?itok=Z4tDV1ZK)
Moving abroad
Notify us.
![](/sites/iffpensioenfonds.nl/files/styles/thumbnail/public/IFF_waardeoverdracht_2.png?itok=9THIBOLX)
Leaving employment
What is your choice?
- Not yet retired: value transfer or leave your pension where it is
- Retire
![](/sites/iffpensioenfonds.nl/files/styles/thumbnail/public/IFF_keuze_0.png?itok=fQVyAxCg)
When you retire: the choices you have to make
- Initially a higher pension, then lower later (or vice versa)
- Exchange retirement pension for partner’s pension (or vice versa)