Pension Accrual and Employer Contribution in Utrecht
Pension is accrued through your employer. Often, the employer covers the largest part of the premium costs.
Mandatory Pension Schemes
In some cases, employers must offer a pension scheme. This may depend on:
- Mandatory participation in an [industry pension fund](https://rechtshulpilburg.nl/encyclopedie/bedrijfstakpensioenfonds)
- Schemes in the CAO
- Internal arrangements of the employer
Division of Premium Costs
The costs for the pension are often divided between employer and employee. Usually, the employer pays approximately 2/3 of the premium and the employee 1/3.
How is Pension Accrued?
The amount of your pension accrual is determined by your income, the specific scheme, and the number of years you are employed.
Transfer of Pension Value
If you change employers, you can transfer your accrued pension to the new scheme via value transfer.
Pension upon Termination of Employment
Upon dismissal, the accrual of your pension with that employer stops, but the amount already accrued is retained.
Statutory basis: Pension Act
Frequently Asked Questions about Pension in Utrecht
What are my rights as an employee in Utrecht?
As an employee, you are entitled to a safe workplace, minimum wage, vacation days with pay retention, and protection against unequal treatment or discrimination.
Can I be dismissed without reason?
No, dismissal often requires approval from the UWV and must be based on valid reasons. Prior warnings are usually required.
How many vacation days am I entitled to?
You are entitled to at least 20 paid vacation days per year, unless otherwise stated in your employment contract. These days can be taken upon request.
What is a CAO and what does it mean for me?
A CAO (collective labor agreement) contains agreements between employers' organizations and trade unions on matters such as salary, working hours, and other employment conditions.
What happens in case of illness?
In case of illness, you must immediately inform your employer. You are entitled to continued pay during the first two years of sick leave.
Contact and Assistance in Utrecht
For legal questions about pension accrual, you can go to the Juridisch Loket Utrecht at Catharijnesingel 55. For cases that go to court, you can contact the District Court Midden-Nederland, located at Vrouwe Justitiaplein 1.