{"id":5135,"date":"2023-10-14T18:31:06","date_gmt":"2023-10-14T16:31:06","guid":{"rendered":"https:\/\/www.ppadvocaten.nl\/?page_id=5135"},"modified":"2023-12-20T10:39:13","modified_gmt":"2023-12-20T09:39:13","slug":"pensioen","status":"publish","type":"page","link":"https:\/\/www.ppadvocaten.nl\/echtscheiding\/pensioen\/","title":{"rendered":"Pensioen"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"5135\" class=\"elementor elementor-5135\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-94e1c2f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"94e1c2f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c9c87a2\" data-id=\"c9c87a2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-012c1be elementor-widget elementor-widget-text-editor\" data-id=\"012c1be\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 26-03-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Bij een scheiding,\u00a0<a href=\"https:\/\/www.ppadvocaten.nl\/echtscheiding\/ontbinden-geregistreerd-partnerschap\/\">ontbinding van een geregistreerd partnerschap<\/a>\u00a0en soms ook bij de verbreking van een samenleving (afhankelijk van het samenlevingscontract dat is gesloten), moeten er afspraken gemaakt worden over het wel of niet verdelen van pensioen. In de wet is namelijk opgenomen dat tijdens het huwelijk opgebouwd pensioen wordt verdeeld bij een scheiding. Het te verdelen pensioen is te splitsen in ouderdomspensioen en het nabestaandenpensioen.<\/p><p>Schakel een\u00a0<a href=\"https:\/\/www.ppadvocaten.nl\/familierecht-advocaat\/\">familierecht advocaat<\/a>\u00a0in voor advies over pensioenverdeling.<\/p><h2 id=\"ouderdomspensioen\">Ouderdomspensioen<\/h2><p>Ouderdomspensioen wordt meestal opgebouwd via de werkgever en wordt uitbetaald vanaf het moment dat de pensioengerechtigde leeftijd wordt bereikt.<\/p><p>Volgens de wet dient het tijdens huwelijk of geregistreerd partnerschap opgebouwde pensioen te worden verdeeld bij echtscheiding of bij de ontbinding van het geregistreerd partnerschap. Als u onder huwelijkse voorwaarden bent getrouwd, kan het zijn dat de verdeling van pensioen bij echtscheiding is uitgesloten. Kijk dat goed na of win advies in bij een familierecht advocaat.<\/p><p>Het is mogelijk om met elkaar af te spreken dat het over en weer opgebouwde ouderdomspensioen niet wordt verdeeld. Dat kan bijvoorbeeld een logische afspraak zijn als u maar een kort huwelijk hebt gehad of beide partners ongeveer evenveel pensioen hebben opgebouwd. Wat in uw situatie het beste is, kunt u uiteraard met \u00e9\u00e9n van onze familierecht advocaten bespreken.<\/p><p>Zodra de scheiding definitief is, moet de pensioenuitvoerder op de hoogte worden gesteld van de scheiding en de over het pensioen gemaakte afspraken. Let erop dat de scheiding binnen twee jaar na de offici\u00eble scheiding gemeld is bij de pensioenuitvoerder. Wordt dat later gedaan, dan is de pensioenuitvoerder niet meer verplicht mee te werken aan de verdeling van het pensioen. Zodra de pensioengerechtigde leeftijd is bereikt, betaalt de pensioenuitvoerder het verdeelde ouderdomspensioen rechtstreeks aan beide partners uit.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7cafafd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7cafafd\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-834495f\" data-id=\"834495f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e5c7c68 elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"e5c7c68\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:0346%20561%20132\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">0346 561 132<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c77a1f elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"7c77a1f\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"mailto:info@ppadvocaten.nl\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">INFO@PPADVOCATEN.NL<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6180146 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6180146\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-df3edfc\" data-id=\"df3edfc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-963f8a9 elementor-widget elementor-widget-text-editor\" data-id=\"963f8a9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3>Conversie<\/h3><p>Bij een echtscheiding kan er ook voor worden gekozen om het pensioen definitief te laten omzetten in een eigen pensioen voor de partner die het niet heeft opgebouwd. Dit heet conversie (omzetting). De helft van het pensioen waar de ex-partner recht op heeft, wordt dan zijn of haar eigen ouderdomspensioen. Diegene ontvangt dat ouderdomspensioen zodra hij of zij zelf de pensioengerechtigde leeftijd heeft bereikt. Een nadeel van conversie is, dat de pensioenopbouwer zijn of haar deel niet meer terugkrijgt wanneer de ex-partner overlijdt. Conversie is overigens alleen toegestaan als de pensioenuitvoerder toestemming geeft. Of conversie in uw geval een goede optie is, kunt u het beste met een familierecht advocaat bespreken.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fe18355 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fe18355\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ef92790\" data-id=\"ef92790\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-89649b2 elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"89649b2\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:0346%20561%20132\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">0346 561 132<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9615efe elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"9615efe\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"mailto:info@ppadvocaten.nl\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">INFO@PPADVOCATEN.NL<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e395bd7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e395bd7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c48da9b\" data-id=\"c48da9b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-30b0fff elementor-widget elementor-widget-text-editor\" data-id=\"30b0fff\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2>(Bijzonder) nabestaandenpensioen<\/h2><p>Naast ouderdomspensioen wordt vaak nabestaandenpensioen, ofwel partnerpensioen opgebouwd. In het geval de pensioenopbouwer overlijdt, wordt er direct na het overlijden een pensioen uitgekeerd aan de nabestaanden (partner en kinderen). Neem contact op met onze advocaat familierecht voor meer informatie over uw situatie.<\/p><p>Hierop kan nog steeds recht bestaan na een echtscheiding of ontbinding geregistreerd partnerschap. Het wordt dan bijzonder nabestaandenpensioen genoemd. Tegenwoordig wordt nabestaandenpensioen heel vaak op risicobasis opgebouwd. In dat geval wordt er alleen uitgekeerd bij overlijden tijdens het huwelijk en niet meer na een echtscheiding. Ook bij ontslag en ingaan van het pensioen kan de aanspraak hierop vervallen.<\/p><h3>Uitkering bijzonder nabestaandenpensioen<\/h3><p>Als er ook na de echtscheiding recht bestaat op bijzonder nabestaandenpensioen, geldt het volgende. In het convenant wordt meestal afgesproken dat het opgebouwde nabestaandenpensioen premievrij voor de ander wordt gereserveerd. Het bijzonder nabestaandenpensioen dat bij overlijden van de ex-partner wordt uitgekeerd, is meestal zeventig procent van het ouderdomspensioen. Om zeker te weten hoe het in uw situatie is, moet navraag worden gedaan bij de pensioenuitvoerder waar het pensioen is opgebouwd. Ook ten aanzien van het nabestaandenpensioen is het mogelijk af te wijken van de wettelijke regeling en andere afspraken te maken. Dat moet dan wel expliciet in een echtscheidingsconvenant worden opgenomen. Een familierecht advocaat kan u hierbij helpen.<\/p><p>\u00a0<\/p><h2>Neem contact op met de familierechtadvocaat<\/h2><p>Wilt u een kwestie voorleggen aan een familierecht advocaat of wilt u een vrijblijvende ori\u00ebnterende afspraak maken? 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