---
title: Pension Scheme & Benefits
category: Pension scheme & Benefits
source_files:
  - docs/Pension scheme & Benefits/secondary-employment-benefits.md
  - docs/Pension scheme & Benefits/jouw-pensioen.md
summary: >
  Overview of secondary employment benefits (vacation, holiday allowance, travel
  and phone allowances, professional development, WIA disability insurance,
  pension) and the detailed pension scheme (a.s.r. Doen Pensioen defined
  contribution, contribution calculation, life cycles, survivor/disability cover).
tags:
  - benefits
  - pension
  - defined-contribution
  - asr-doen-pensioen
  - holiday-allowance
  - travel-allowance
  - phone-allowance
  - wia
  - disability-insurance
related_topics:
  - holiday-and-leave.md  # vacation days detail, unpaid-leave pension impact
  - spending-and-contracting.md  # travel km allowance detail
  - learning-personal-development.md  # 40h development/conferences detail
  - day-to-day.md  # travel allowance vs travel time
key_facts:
  vacation_days_fulltime: 25 (200 hours)
  holiday_allowance: 8% of gross annual salary (paid monthly pro-rata)
  travel_allowance: EUR 0.23 per kilometer
  professional_development_hours: 40 per year
  mobile_phone_allowance: EUR 35 per month
  pension_provider: a.s.r. Doen Pensioen (advice via Zuyderleven)
  pension_type: Defined Contribution (beschikbare premieregeling)
  pension_premium: 10% of pension base
  pension_split: 50% employee / 50% Respellion
  pension_franchise_2026: EUR 19172.00
  pension_max_salary: EUR 137800.00
  partner_pension: 30% of salary (for life, risk basis)
  orphan_pension: 20% of salary until age 25
ai_context: >
  This file holds both the at-a-glance benefits overview AND the detailed pension
  scheme. Several overview items are documented in depth elsewhere and are
  cross-linked rather than re-explained: vacation days (holiday-and-leave.md),
  the EUR 0.23/km travel allowance (spending-and-contracting.md), and the 40
  development hours / conferences (learning-personal-development.md). Pension is
  built only on the pension base (salary minus the franchise/threshold, up to the
  max salary), because AOW (state pension) covers the lower part. Unpaid leave
  affects pension accrual — see holiday-and-leave.md.
---

# Pension Scheme & Benefits

This section gives an at-a-glance overview of secondary benefits and then details the pension scheme.

## Secondary Employment Benefits (Overview)

At Respellion, we believe in taking good care of our team. Below is a summary of the secondary benefits you are entitled to:

- **Vacation Days:** **25 vacation days** (200 hours) per year based on full-time employment. (Accrual, statutory/non-statutory split, and carry-over rules: [Holiday and Leave](holiday-and-leave.md).)
- **Holiday Allowance:** a holiday allowance of **8%** of your gross annual salary, paid out monthly on a pro-rata basis.
- **Travel Allowance:** **EUR 0.23 per kilometer** for commuting expenses. (Full travel/expense rules: [Spending and Contracting](spending-and-contracting.md).)
- **Professional Development:** the opportunity to dedicate **40 hours** annually to training and conferences; additional time is possible in consultation. (Process: [Learning & Personal Development](learning-personal-development.md).)
- **Flexible Public Holidays:** **flexible holidays** instead of the standard official Dutch public holidays, allowing you to choose the days that matter most to you. (Interchangeable Holiday Policy detail: [Holiday and Leave](holiday-and-leave.md).)
- **Conferences:** you are encouraged to visit (international) conferences to stay inspired and up to date.
- **Pension Scheme:** we invest in your future together. Respellion pays **50%** of the available premium, and you contribute the remaining **50%**. After joining, a meeting with our insurance advisor will be scheduled to explain the details of the scheme. (Full detail below.)
- **Disability Insurance (WIA):** Respellion has taken out WIA insurance for all employees. This insurance limits the drop in income in the event of long-term disability (longer than 2 years). The costs for this insurance are fully covered by Respellion.
- **Mobile Phone Allowance:** a monthly allowance of **EUR 35** for the use and potential purchase of a mobile phone.

## Your Pension (Detail)

At Respellion, we believe it is important to take good care of each other — not just today, but also with an eye toward the future. That is why we have established a pension scheme with **a.s.r. Doen Pensioen**, supported by advice from **Zuyderleven**.

### 1. The Basis: Defined Contribution Scheme

We use a Defined Contribution scheme (beschikbare premieregeling). This means that a fixed amount is invested every month for your future pension.

- **Pension Provider:** a.s.r. Doen Pensioen.
- **Contribution (Premium):** 10% of your pensionable salary (pension base) is contributed.
- **Employee Contribution:** based on our calculation models, we apply a split where you as the employee contribute 50% of this premium and Respellion contributes the remaining 50%.

### 2. How is the contribution calculated?

You do not build up a pension over your entire salary, because you will also receive AOW (state pension) from the government later in life. The portion of your salary over which you do build up a pension is called the pension base (pensioengrondslag).

- **Franchise (Threshold):** the part of your salary over which you do not build up a pension. For 2026, this is set at **EUR 19,172.00**.
- **Maximum Salary:** pension is built up on salary up to a maximum of **EUR 137,800.00**.
- **Calculation Example:** is your salary EUR 69,172? Then, with the 2026 franchise being EUR 19,172, your pension base will be EUR 50,000 (EUR 69,172 minus EUR 19,172), and your annual contribution (10%) will be EUR 5,000.

### 3. Investing via Life Cycles

Your pension funds are invested. Since your retirement date may still be far off, the risk is automatically reduced as you get older. We call this a Life Cycle.

- **Standard:** you usually start in a specific profile (e.g., Neutral), but you have the freedom to choose between different risk profiles: Defensive, Neutral, or Offensive.
- **Phasing out:** as you get closer to your retirement date, investments are shifted to safer options to minimize volatility and protect your capital.

### 4. Provisions for Death and Illness

In addition to saving for later, insurance is built in for unforeseen situations.

- **Partner's Pension:** in the event of your death, your partner will receive a benefit of 30% of your salary (for life). Note: this is on a risk basis, meaning coverage lapses if you leave Respellion's employment.
- **Orphan's Pension:** children receive 20% of your salary until they reach the age of 25.
- **ANW Gap Insurance:** you can voluntarily (at your own expense) take out extra insurance to provide a temporary supplement for your partner after death.
- **Disability:** in the event of disability (AO), your pension accrual continues (partially or fully) without you paying premiums (waiver of premium).

### 5. Flexibility and Insight

You have direct influence over your own pension:

- **Extra Savings:** if you want to build up more pension, you may voluntarily make additional contributions up to the fiscal maximum.
- **Portal:** through the 'Doen Pensioen' dashboard, you have 24/7 insight into your current accrual, returns, and the ability to submit your preferences.

## Related Topics

- [Holiday and Leave](holiday-and-leave.md) — vacation day accrual and carry-over, the Interchangeable Holiday Policy, and how unpaid leave affects pension and allowances.
- [Spending and Contracting](spending-and-contracting.md) — the EUR 0.23/km travel allowance and other expense rules.
- [Learning & Personal Development](learning-personal-development.md) — the 40 hours of professional development / conferences.
- [Day to Day](day-to-day.md) — travel-time compensation, distinct from the travel allowance.
