Frequently asked questions
Insight into my pension
Your annual Uniform Pension Overview (UPO) is available on My pension at 'Mijn archief' (My archive). If you no longer accrue in our pension fund because you left employment, you will find your UPO each year on My Pension, in My Archive. If you did not receive an UPO, please contact us.
Are you an ex-partner?
The law states that both partners are entitled to half of the retirement pension that was accrued up until the divorce. This is known as equalisation.
The pension for your ex-partner is deducted from your pension. You will not see your ex-partner's pension on your Uniform Pension Overview.
Are you a participant?
You cannot see the equalised pension on your Uniform Pension Overview.
Yes. The pension that you received by value transfer is not listed separately on your pension statement. The value transfer has been processed in your pension statement if you received a confirmation from us. If you have not yet received confirmation then your request for value transfer has not yet been processed in our records. Does your value transfer have a transfer date after January 1 of this year? In that case, the value transfer is not included in your UPO for this year.
Your annual Uniform Pension Overview (UPO) is available on My pension at 'Mijn archief' (My archive). If you did not receive an UPO, please contact us.
We do not know your partner's name. Under Marriage and partner registration or Cohabiting you can read how and when you need to register your partner with the pension fund.
More about our pension scheme you will find in Pensioen 1-2-3. Alternatively, you can head to Mijnpensioenoverzicht.nl for an overview of your total pension, the amount you have accrued with other employers and how much AOW (state pension) benefit you can expect to receive.
My pension and how to log in
You can view your personal details on My pension, your personal portal. Your pension emails are also stored digitally there. Use your participant's number to create an account, which starts with 90510. You also need the MFA app to log in securely. To get this app, go to Google play or the Apple store, download the MFA app and start logging in securely into My pension. You can read through everything at your own pace in our MFA user manual.
If you do not have an account yet, Open an account by using your participant number, which starts with 90510. For this, go to My pension.
Proceed with the following steps:
1. Go to mijn.pfjnj.nl/login (= My pension).
2. Click the “LOG IN” button.
3. Select “Don’t yet have an account? Request an account first.”
4. First, choose a user name; only use numbers and letters.
5. After that, enter your participant's number. Your participant's number starts with 90510, and add the rest of your participant's number.
6. Enter your date of birth.
7. Create your account.
8. You will receive an activation link at the email address we have on record.
9. Activate your account within 24 hours.
10. Create the password of your choice. For example, it contains at least (in random order) 2 upper case letters, 2 lower case letters, 2 numbers and 2 special characters.
11. Then you can log in using the verification code via the MFA app. Please read the MFA user manual first.
This will be available via the MFA app. The MFA app can be found in the Apple App store or Google Play store. You can use various MFA apps. We prefer you to download Google Authenticator.
Step 1
Go to My pension. Click on INLOGGEN and enter your username and password on the website. Click on INLOGGEN.
Step 2
Open the MFA app on your phone. Scan the QR code on your login page with your mobile phone. A six-digit code will appear.
Step 3
Enter the six digit code on your login page in the QR code box. Click on VERSTUREN.
Step 4
Your personal account is now once again linked to your MFA app. From now on you will receive a six-digit code in the MFA app when logging in instead of a QR code.
Unfortunately, this is not possible without a smartphone or tablet. It is important that you change your preference for digital mail. This is how you will receive the notifications from My pension on paper in the future. Please contact us for more information.
You can install the MFA app again on your new smartphone according to the MFA user manual.
To get a new password, go to My pension.
Proceed with the following steps:
1. Go to mijn.pfjnj.nl/login (= My pension).
2. Click INLOGGEN.
3. Select "Wachtwoord vergeten?" (Forgot your password?)
4. Enter your user name.
5. After that, enter your participant's number. Your participant's number starts with 90510, and add the rest of your participant's number.
6. Then you receive an email with a link to create a new password. For example, it must contain at least (in random order): 2 upper case letters, 2 lower case letters, 2 numbers and 2 special characters.
7. Then you can log in using the verification code via the MFA app. Please read the MFA user manual first.
Log in to your personal portal at My pension. Change your preference regarding digital correspondence under ‘Report a change’ by unticking the box. This will allow you to receive all notifications from My Pension on paper.
Log in into My pension, your personal portal. Change your preference for receiving digital correspondence under ‘Report a change’ by ticking the box. From that point on, you will receive an email notification whenever a message is waiting for you in My Pension. Please make sure that your private email address is registered with us. Otherwise you will still receive the notification by post.
Please use your private email address. This will allow us to contact you even if you no longer work at a Johnson & Johnson office in the Netherlands. Or once you have retired.
Other job
No, once pension has been accrued it is and will remain yours. You can leave your pension at your pension fund or take it with you to your new pension administrator.
If you are considering taking your pension with you then you will need a quotation. You can apply for this quotation from your current pension fund. The pension fund issues a quotation, which often takes several months. Based on the quotation, you can decide whether to take your pension with you. It is a good idea to work together with an adviser to assess the offer.
Because then all your pensions are kept together and you will not be receiving pension from multiple pension administrators. In some cases taking pension with you is a good idea. In other cases, it is not wise to take your pension with you. Ask for advice from your adviser.
A small pension is defined as a pension that is smaller than a certain amount. This can change every year. You'll find this amount at Value transfer. Pension administrators are permitted to automatically transfer small pensions that stopped accruing after 1 January 2018 to the new pension administrator.
Occupational disability
Yes, you will continue to accrue pension during occupational disability. Even if you have left employment due to an incapacity for work, you will continue to accrue pension on the percentage of your incapacity for work.
In the first two years of sick leave, you will accrue retirement pension and partner’s pension normally. After two years of illness, the Employee Insurance Agency (Uitvoeringsinstituut Werknemersverzekeringen (UWV)) will assess whether you are eligible for a benefit from the UWV.
See Sick or disabled for more information.
In many cases the employer notifies the pension fund. It is a good idea to do it yourself as well.
The 'WIA benefit' via UWV.nl (website only available in Dutch) is based on a certain maximum salary. If you earn more than this maximum salary then you will have less income during occupational disability. Therefore, the pension fund offers an occupational disability pension to prevent a drop in income.
European pension fund
Employment
You will receive an annual pension statement from your pension fund. Check this statement well, this is about your income for later. In addition, you will receive detailed information about your pension plan within three months after you start to participate in the pension plan. For more information, please contact us.
No, your employer registers you with the pension fund. If you live with someone outside of marriage then you must register your partner yourself. That is important for the partner's pension. Have you gotten married abroad or are you living abroad? If so, you will need to register your partner yourself.
If you start work somewhere then it is important that you know how much pension you are accruing and whether that will be enough for you later. You can also look at whether it is wise to have your pension transferred from your previous employer to your new employer. This is called value transfer.
Children
No, you do not need to register your child. In the event of your death, we will automatically receive all of the relevant information from the municipality where you live. If you live abroad, please report the birth of a child to the pension fund. If you have stepchildren or foster children and would like them to be eligible for orphan’s pension, please register that with us yourself. Just send us an email.
Receiving pension
That depends on the agreements made between the Netherlands and the country where you are going to live. In some cases, you do not pay any tax on your pension. You can check with the Tax Authorities or check Belastingdienst.nl.
In general, the Social Insurance Bank (SVB.nl) takes the tax credit (on top of your state pension) into account. If you do not want that, the pension fund can apply the tax credit. You must inform the pension fund of this yourself. A tax credit is a discount on income tax and national insurance contributions. Read more about this on the Dutch government's official website: government.nl.
Yes, that is possible. Your partner has to agree to this change and also sign the application form. After this change, your partner will either receive no partner's pension or a reduced partner's pension after your death. If you are single on your retirement date, we will convert the partner’s pension into an extra retirement pension for you. Read more about Exchanging pension.
In principle, your pension will not be increased. Employers in the Netherlands decides on an annual basis whether there is still room to increase the pensions with a supplement. The financial position is one of the factors taken into consideration.
Unpaid leave
You do not accrue pension during the period of unpaid leave. You will remain insured for partner's pension during the first year.
No, this is not possible.
No, your employer or HR reports this to the pension fund.
Death
The partner's pension is paid to your partner for life.
If your death occurs while you are still employed by Johnson & Johnson, your partner will also be entitled to a temporary partner's pension. The temporary partner's pension is a temporary increase of the partner's pension that continues until the end of the month in which your partner reaches the AOW (Dutch state pension) age. The amount of the temporary partner's pension is 15% of what you would have received in retirement pension had you been able to continue working until the normal retirement date.
Yes, if you lived and died in The Netherlands, your partner receives the partner's pension automatically. However, your partner’s details must be known to the pension fund. Cohabiting partners have to have their cohabitation agreement checked bij the pension fund. We are notified of your death by your municipality in the Netherlands.
Pension accrual
No, you cannot accrue more pension in the pension plan. You can possibly accrue more pension in an individual insurance. Please consult an advisor in this case.
No, you cannot stop the pension plan. Your participation is mandatory.
Because you also receive a state pension from the government. Therefore, it is not necessary to accrue pension over your full salary. The amount on which you do not accrue pension is called 'the deductible'.
You can only do this if you have tax scope. That means that proportionately you have accrued too little pension in a given year. You need the factor A to calculate your tax scope. The factor A is listed on your pension statement. If you have the tax scope then the contributions paid for pension products are tax-deductible.
You use the figures of the previous year to do your tax declaration in a given year. That means that the annual allowance for the 2022 declaration is calculated using the income and the Factor A from 2021.
Participants’ pensions are raised annually on 1 January in line with price increases. Participants who have been employed since before 1 January 2016 and who have continuously accrued pension with J&J OFP Pension Fund will receive between 1.5% and 4% more pension until the end of 2025. If prices go up by more than 4% in any year until then, the employers and the works councils will renegotiate the supplement for that year.
Under the new pension system, you will accrue personal pension capital. There will no longer be any indexation at that point. Pensions will evolve along with the economic conditions.
J&J Pension Fund OFP incurs costs to arrange your pension. For example:
• Costs for the organisation and administration of your pension.
• Costs for the administration and investment of your pension capital.
J&J Pension Fund OFP tries to keep administration costs as low as possible through:
• communicating digitally as much as possible
• ensuring that the pension schemes we manage are as uniform as possible
• automating as many processes as possible
• collaborating with other pension funds.
You can read more on this topic in Layer 2 (Pensioen-1-2-3) on My Pension.
Pension from the state
The amount of state pension depends on your family situation. You find the amounts for single persons and couples at: SVB.nl.
As of 1 January 2013, the retirement age for the state pension is being increased in stages. For more information on the AOW (state pension), please refer to the website of the Social Insurance Bank: SVB.nl.
Your partner may be entitled to a surviving dependant's benefit (ANW) from the government. There are conditions that your partner must meet in order to be eligible for ANW benefits. In some cases your partner isn't eligible to receive an ANW benefit or receive the full ANW benefit. For more information on the ANW benefit, please visit the website of the Social Insurance Bank: SVB.nl.
Pension from work
No, it is compulsory for you to participate in the pension scheme.
No, that happens automatically. You will receive more information within three months after you started participating. However, you must register your partner if you are living together in a de facto relationship (with a cohabitation contract) and your partner meets the conditions set out in the pension regulations. You need to register your partner with the pension fund, too.
Divorce or separation
There is a legal right to pension distribution. That means that if your ex-partner wants to share the pension then you are required to cooperate.
You and your ex-partner each request pension distribution from your own pension administrators. Read more about this at Divorce.
No, it is not obligatory. It is possible to make other arrangements with your ex-partner. These must be recorded in a divorce settlement. The 50/50 split is the legal right.
Pension Agreement
Under Pension Agreement you can find all the topics for which there is already information.
The new pension system has been detailed in the Future of Pensions Act (Wet toekomst pensioenen). The act will take effect on 1 July 2023. When the law is introduced, that means you will have a new pension scheme. Your new pension scheme needs to enter in force by 1 January 2028 at the latest. At this point it is not yet clear when the new pension scheme for J&J Pension Fund OFP will take effect. The target date is 1 January 2027. We will update you as soon as we have more information to share. Please ensure that we have your private e-mail address. This will help you stay informed about all of the Pension Agreement developments, even after you leave your current employment or you retire.
The work group will keep you updated. In case a new update is available, it will be at hand on your portal My pension. Previous updates are also available there.
The current pension system no longer reflects changing circumstances. Read more about Why is a new pension system necessary?
J&J Pension Fund OFP has set up an Employer+Employee (E+E) work group for this purpose. This work group consists of employer and employee representatives and members of the Pension Council too and the Pension Manager of the Netherlands.
They like to keep you updated. In case a new update is available, it will be at hand on My pension. Previous updates are also available there. Read more about the workgroup.
The Lower House approved the Future Pensions Act (Wet toekomst pensioenen, Wtp) in December 2022. On May 30, the Senate has also approved the Future Pensions Act. Pension funds will have until 1 January 2028, to make the adjustments for it.
With the introduction of the Pension Agreement, many things are changing. One important change is that in the new scheme the contribution paid in will be the starting point instead of the amount of the pension benefit. You build up a personal pension capital. This will make it clearer what you contribute and what you build up in terms of capital.
Keep an eye on our Pension Agreement page and pensioenduidelijkheid.nl for the latest developments.
Working together with Johnson & Johnson employers in the Netherlands and the Central Works Council, J&J Pension Fund OFP will establish new pension entitlements according to the new laws and regulations. An Employer+Employee (E+E) work group has been initiated to provide advice. This work group consists of employer and employee representatives, supplemented by a delegate from the board of J&J Pension Fund OFP, members of the Pension Council and the Manager of Pensions for the Netherlands. The work group will keep you informed. Updates can be found on your My Pension portal. This is also where you can view earlier updates.
Log in to My Pension and read the updates from the work group, found in My Archive.
It is not yet clear what options are available for pension already accrued. It is possible that the new legislation will make changes here. This is one of the issues that the E&E work group will provide advice about.
The best time to retire is a personal decision. At the moment, the details of the new pension scheme for J&J Pension Fund OFP are not yet known. Moreover, it will be some time before the new pension scheme is introduced. Pension funds have until 1 January 2028 to implement the new scheme. The target date for J&J Pension Fund OFP is 1 January 2027. To gain more insight into your personal situation, it is best to contact your financial adviser.
If you are currently accruing pension through J&J Pension Fund OFP, you will also be required to transfer this to the new pension scheme in the future. At the moment, nothing has been finalised regarding the details of the new pension scheme. In order to file an objection, you first need to know if there are elements of the new pension scheme that you do not agree with. Once the details of the new pension scheme are known and you feel it is not right in your situation, you can file a complaint about it according to the complaints procedure (pdf). The complaint will then be carefully reviewed and processed.
The government is still working on the rules for this option. This means that the details on this are not yet known.
Please note: a lump sum may affect any allowances you receive. This could include rent or healthcare allowances. These allowances may be reduced or even removed. You will also have to pay taxes on the lump sum.
There is nothing you need to do at this time. You will be notified by us if you need to do anything. Want to know more about the net pension scheme? Visit our Pension Agreement page and read the work group updates on My Pension. This is also where you can view earlier updates.
Please don't hesitate to contact us. Or visit our page Pension Agreement. You can also find more information on the national website pensioenduidelijkheid.nl.
Want to know if you have built up pension anywhere else? On www.mijnpensioenoverzicht.nl you can see what organisations you have a pension with there.