PME intends to switch to the new pension rules on 1 January 2027. From that time onward, a new pension scheme will apply. Some things will change. Things that worked well will be kept as they are. 

A lifetime pension and state pension
You will receive a state pension from the government and your pension from PME for as long as you live, even if you live to well over a hundred years.

Your pension can go up or down once a year
The amount you receive can increase or decrease once a year, just like now. 

Security for your family
What if you pass away and leave a partner behind? If you opted for a partner’s pension when you retired, your partner will receive a monthly benefit from us: the partner’s pension. Your children will receive a monthly orphan’s pension until they turn 25 years.

Your choices will continue to apply
Did you make any choices at the start of your pension? For example, regarding the partner’s pension? Or the amount you started receiving upon your retirement? Those choices will continue to apply.

We will continue to invest on your behalf
Under the new scheme, we will continue to invest on your behalf. After all, investing yields a higher return in the long term than saving. We will take into account the preferences of people with a pension with PME. You won’t have to make any investment choices yourself. We will continue to do this for you.

Standing strong together
Gains and losses will be shared collectively, as well as major risks, ensuring pensions remain fair and affordable for everyone.

You will have a pension pot
After the switch, you’ll have your own pension pot. Any gains or losses from investing will be added to it. You will receive your monthly pension from your pension pot. Good to know: the money in your pension pot cannot run out. You will always receive a pension, no matter how old you become.

Taking your age into account
The new scheme will allow us to take your age into account better. Since you are already receiving a pension, we will take less risk for you when investing. This will contribute towards a stable pension.

A pension based on contribution agreements
PME will switch to a contribution scheme. Under such a scheme, employees and employers in our sector agree on how much money goes to the employees’ pension pot, rather than how much pension an employee will ultimately receive. Your pension will develop depending on the return on investments, the interest rate and average life expectancy.

A pension that can increase more easily
Under the new scheme, your pension can increase more easily than it can now. One of the reasons for this is that we will no longer be obliged to maintain big buffers. Windfalls are therefore more likely to end up in your wallet.

A pension with additional security
Your pension can also decrease. Fortunately, several measures will be in place to protect your pension. As a result, the risk of falls is likely to be limited, though they can never be ruled out entirely. In exceptional situations, your pension may decrease significantly. ●