You accrue a partner’s pension for your partner as well as a retirement pension as standard.

If you die while in employment your partner will receive a partner’s pension benefit from the fund. This is 70% of the pension that you would have received if you had worked for IFF until retirement. 

If you die after you retire your partner may also receive a partner’s pension. The amount of this depends on the choices you made when you retire.

There is an orphan’s pension for your children. The orphan’s pension is 14% of the retirement pension you would have accrued until your retirement date. Each child receives this until they reach 18 years of age. As long as the child is at school or in education, they will receive orphan's pension until reaching 27 years of age.

When you retire, you can choose to exchange part of the partner’s pension for additional retirement pension, or vice versa.

Statutory Anw scheme

If you die, your partner may be entitled to statutory partner’s benefit from the government. This is the Anw scheme. This is subject to certain conditions. Your partner must have been born before 1950 or care for one or more under-age children or be partially incapacitated for work. Further information is available on the website of the Social Insurance Bank (SVB) www.svb.nl.