Generally speaking, money drops in value every year. You can buy less in 2025 than you could in 2024. This is referred to as ‘inflation’.The Heineken Pension Fund tries to index-link the pension you have accrued each year. In other words, the pension you have built up is increased in line with the general increase in prices. We call this an index-linked pension. Unfortunately we are not always able to do that. If we are faced with financial difficulties then it is always possible that the Heineken Pension Fund is unable to index-link pensions either fully or partially. Subsequently, that means your pension drops in value. If finances then start to improve, extra indexation compensation can be granted to regain purchasing power.Indexation compensation can only be granted if the policy funding ratio is at least 110%. If the policy funding ratio is somewhere between this threshold of 110% and the present upper limit of 140%, then only partial compensation for indexation can be granted. If at a given time the policy funding ratio is above or the same as this upper limit, then full compensation for indexation can be granted. Our expectation is that we shall not be able to increase your pension over the next few years. When the fund is again able to grant indexation compensation it will only be partial compensation in the initial years. Full indexation compensation based on the price index can only be granted at a funding ratio that currently stands at approx. 140% or above. However, this upper limit does fluctuate. If the rate of interest increases, then the upper limit for indexation compensation will probably also rise.Over the past few years the Heineken Pension Fund has increased pensions by means of indexation compensation as follows*:Compensation for active membersPrice increases20253.13%3.54%2024-0.41% 202314.33%14.33% 20223.42%3.42% 20211.22% 20202,72% 20190,61%2,10% 20180,02%1,33% 20170,45% 20160,65% 20151,1% 20141,6%1,6% 20132,9% 20122,65% 20110,95%1,6% 20102%0,75% 2009 2,8%* The figures indicating price increases are based on the figures published by the Netherlands Central Bureau of Statistics (CBS) with reference period 2 October up to and including 1 October prior to 1 January.Prospects in scenario’sIn your Uniform Pension Overview (UPO) and on www.mijnpensioenoverzicht.nl your pension to be acquired is also shown in three scenarios in prospects, in addition to your pension to be acquired according to the pension regulations.These scenarios provide an estimate of the pension if there are windfalls or setbacks in the future. Through three amounts based on an optimistic, expected and pessimistic scenario, you will gain insight into the uncertainty surrounding the purchasing power of your pension. An important assumption for all three amounts is that you will continue to work until your 68th birthday and continue to accrue pension within the current scheme. If you stop working on a earlier age, your pension will be lower.Various scenarios have been devised. The one scenario is based on a positive situation in terms of interest, investments and price increases (purchasing power). The other is based on a negative situation. All pension funds and insurers use the same scenarios.The expected scenario is shown in the middle at the top. This is the pension you could expect to receive in due course on the basis of current figures. At the moment there is a 50% chance that your pension will be lower and a 50% chance that your pension will higher than this amount. The expected sum total is based on the assumption that your pension will be partially increased in line with price increases.The optimistic scenario (the arrow on the right) shows the amount you are likely to receive in the event of a very positive situation. At present, there is only a slight chance (5% of the prospects) that you will arrive at a higher amount than the one shown on the right. In the optimistic scenario it is assumed that your pension, in conformity with the price increases, will be increased.The pessimistic scenario (the left arrow) shows the amount you are likely to receive if the situation becomes much worse than expected. Here too, at the moment the chance is only small (5% of the prospects) that you will receive a lower amount than the one shown on the left. The pessimistic scenario is based on a cut back on pensions.

Do you want to receive the newsletter, please sign on below the page.Newsmail archiveNewsletter April 2025 for HEINEKEN employeesNewsletter April 2025 for former HEINEKEN employeesNewsletter December 2024 for HEINEKEN employeesNewsletter December 2024 for former HEINEKEN employeesNewsletter October 2024 for HEINEKEN employeesNewsletter October 2024 for former HEINEKEN employeesNewsletter Juli 2024 for HEINEKEN employeesNewsletter Juli 2024 for former HEINEKEN employeesNewsmail April 2024 for HEINEKEN employeesNewsmail April 2024 for former HEINEKEN employeesNewsmail December 2023 for HEINEKEN employeesNewsmail December 2023 for former HEINEKEN employeesNewsmail October 2023 for HEINEKEN employeesNewsmail October 2023 for former HEINEKEN employeesNewsmail June 2023 for HEINEKEN employeesNewsmail June 2023 for former HEINEKEN employeesNewsmail March 2023 for HEINEKEN active employeesNewsmail March 2023 for former HEINEKEN employeesNewsmail December 2022 for HEINEKEN active employeesNewsmail December 2022for former HEINEKEN employeesNewsmail September 2022 for HEINEKEN active employeesNewsmail September 2022 for former HEINEKEN employeesNewsmail June 2022 for HEINEKEN active employeesNewsmail June 2022 for former HEINEKEN employeesNewsmail March 2022 for HEINEKEN active employeesNewsmail March 2022 for former HEINEKEN employeesNewsmail December 2021 for HEINEKEN active employeesNewsmail December 2021 for former HEINEKEN employeesNewsmail September 2021 for HEINEKEN active employeesNewsmail September 2021 for former HEINEKEN employeesNewsletter July 2021Newsletter March 2021

Rules and regulations 2025 (only available in Dutch)Pension regulations 2025Regulation Supplementary Partner’s PensionRules and regulations 2024 (only available in Dutch)Pension regulations 2024Regulation Supplementary Partner's PensionRules and regulations 2023 (only available in Dutch)Pension regulations 2023Regulations Disability PensionRegulations Supplementary Disability PensionRegulations Supplementary Partner's PensionBrochures 2023Retiring Information for Heineken active employees going into retirementRetiring Information for former employees going into retirementPension brochure for members who commenced employment after 31-12-2005Pension brochure for members born after 1949 who commenced employment before 01-01-2006FormsRegistration Form for the Supplementary Partner’s PensionWaiver for the Supplementary Partner’s PensionRegistration Form for the Supplementary Disability PensionRequest for Value Transfer QuoteRegistration Form Partner’s PensionDocuments 2022 (only available in Dutch)Pension regulationRegulation Disability PensionRegulation Supplementary Disability PensionRegulation Supplementary Partner’s PensionReading guide Pension Overview 2022

July 2025: Information brochure about what will happen with your pension when we switch to the new pension schemeThe information brochure explains for each target group how the new pension scheme works, what will happen to partner's and orphan's pensions and what will happen when we switch to the new pension scheme. This is general information. At this time, it is not yet possible to disclose personal information. This will be possible in November. Then you will receive an overview with 1) your pension in the current pension scheme and 2) what kind of pension you can expect for this in the new pension scheme. This overview is intended to inform you. Around the summer of 2026, we expect to be able to send a similar overview with the pension capital you eventually received for the pension entitlement you now have. Click here to go to the information brochures.January 2025: Explanation of the Implementation Plan and Communication Plan WtpAt the beginning of January 2025, the board of the Heineken Pension Fund decided to accept the assignment and to carry out the requests of the social partners. The implementation is laid down in the Implementation Plan. The Wtp Communication Plan is part of the Implementation Plan. Click here to read more about the Implementation Plan, Communication Plan Wtp and important communication moments. -----------------------------------------------------------------------------The pension scheme in the new pension system explainedThe social partners (the employers' and employees' representatives) opt for the solidarity-based pension scheme. In the solidarity-based pension scheme, windfalls and setbacks are absorbed together and collective investments are made. As a result, pensions will be stable. In the coming months, we will explain the new pension scheme to you in small pieces.Old age pension Old-age pension is the pension you will receive when you stop working. How does it work now and how will it work in the future? Read more.Partner's and Orphan's pension It is important that there is also a benefit for your partner and children in the event of your death. A situation you'd rather not think about, but it's very important to have something arranged. Read more.Solidarity reserve The new pension scheme is a solidarity-based contribution scheme. An important and mandatory element of this scheme is the solidarity reserve. The solidarity reserve is a separate reserve that protects the pension benefits. The solidarity reserve has two objectives, click here to read more.From pension entitlement to capital for pensionThe way we build up pension is going to change. From pension entitlement to a capital for pension. Read more.-----------------------------------------------------------------------------November 2024: Informative webinars on the transition to the solidarity-based contribution schemeDuring the Three Days of Pensions from November 12-14th, webinars on the solidarity-based contribution scheme took place for various target groups. Rogier Bouwman (chairman of Heineken Pension Fund) and Maayke van Houdt (People Director HEINEKEN Group) explained, among other things, how pensions are arranged in the Netherlands, why a new pension system is needed, what is changing, what will remain the same and how the solidarity-based contribution scheme works. We will discuss the partner's pension in detail and we discussed the global distribution of pension assets to personal pension assets. The webinars last one hour and can be viewed here.-----------------------------------------------------------------------------July 2024: Transition planThe Future Pensions Act came into force on 1 July 2023. All pension schemes must be adapted to this new law. HEINEKEN and the trade unions have agreed upon a the new pension scheme and about the way in which the transition to the new pension scheme should take place. All of this is laid down in the transition plan. We have made a summary of the transition plan.Read the summary of the transition planRead the transition plan (only in Dutch)Find out more about the pension transition plan and view the video in which the employer tell you more about the new system. (only in Dutch) No content -----------------------------------------------------------------------------Adjustments to partner's pension and orphan's pension in accordance with the Future of Pensions ActWhere possible, the current pension scheme will be brought in line with the Future Pensions Act, which came into effect on July 1, 2023. This means that as of January 1, 2024, the definitions for 'partner' and 'orphan' have been amended. You read here what this means. And it is possible to bring your pension forward up to ten years before the state pension age.-----------------------------------------------------------------------------Employer's newsletter new pension systemIn December 2023, the employer sent out a first newsletter about the upcoming changes to the pension. Why is change necessary, what will remain the same, what will change, what steps have been taken and what steps still need to be taken. It also tells which parties are involved. Read the newsletter here.In April 2024 the employer sent out the second newsletter about the upcoming changes to the pension. You read more about who is working on this transition, the process and who represents you. Read the newsletter here.--------------------------------------------------------------------------------------------Results of research into risk and your pensionIn March 2023, the Heineken Pension Fund invited you to participate in the research into how much risk you want to take with your pension. We think it is important to know how our (former) participants and pensioners view the returns and risks of investing. With this research we got a good indication of that: a total of 2,052 respondents gave their opinion.. The reason for carrying out this research is the new pension rules that are applicable with the new pension system.Click here for the results.--------------------------------------------------------------------------------------------The cabinet has concluded a pension agreement with the employees’ and employers’ organizations. This pension agreement outlines what the new pension system should look like. A number of things are already clear, but many parts still need to be worked out in more detail. We would like to keep you informed about developments on this webpage.Getting started with the new pension systemThe Heineken Pension Fund has started a project together with HEINEKEN and the employee organizations to get started with the pension agreement. For the time being, this project assumes a transition date of 1 January 2026. This is the first possible realistic date for the Heineken Pension Fund to switch to the new pension system. Previously, this was January 1, 2025. However, this has proved unfeasible, mainly due to delayed legislation and regulations.We prefer not to wait with the transition until the deadline of January 1, 2028.The project is divided into four phases:Preliminary preferred scheme: solidary contractOn the basis of the pension agreement, choices must be made about a new pension scheme, in which a choice can primarily be made between two different contract forms. HEINEKEN and the employees' organizations have made a preliminary choice in broad terms, namely the solidary contribution scheme. This choice will be further investigated and elaborated in the in-depth phase in 2022 and 2023. Read the message from HEINEKEN and the employees’ representative organizations about the provisional preferential arrangement.Why a new pension system?We want everyone in the Netherlands to be able to receive a good pension. Even the generations after us. That is why the unions, employers and the government have jointly made new rules for pensions. In the coming years we will implement these new rules together. Read more about the new rules for your pension.Results participant surveyRead more about the results of the participant survey. 

Three ways of pensionYou accrue pension in three ways:State pension (AOW): you receive this pension you receive from the state. Read more about this on www.svb.nl.Pension through you employer. You accrue pension at the Heineken Pension fund. Read more about this in this Pensioen 1-2-3.Pension you arrange yourself. For example with an annuity or bank savings.Read moreAverage pay arrangementYou accrue a part of your pension each year. The pension that you receive on retirement is the sum of all these parts. From the retirement date you receive this pension for as long as you live. This is called an average pay arrangement scheme.Read moreBuild up percentageYou accrue part of your pension each year, though not on the bases of your whole gross salary. Because you already receive a basic pension from the state (AOW), you do not accrue pension benefits on a threshold amount. This is called the franchise. In 2025 the franchise is € 19,795. Each year you accrue 1.85% pension on the gross salary (up to a maximum of € 137,800 (2025)) minus the threshold amount.Read moreWho is paying for your pensionEach month you pay a contribution for your pension. Your employer does this as well. Check your CLA or ask your employer how much you pay and how much your employer pays. The gross level of you contribution can be seen on your salary statement.Read more

You participate in the Heineken Pension Fund pension scheme through Heineken; this scheme allows you to build up a pension. You receive your Retirement Pension when you become 68 years of age but you can also choose to take early retirement. Your Retirement Pension supplements your state pension (AOW). AOW is the pension you receive from the government when you reach state pension age.Heineken’s pension scheme focuses on ensuring that you have a good income after retirement. The pension you can accrue depends on a variety of factors such as:your age when you became a member of the pension scheme;the date of your retirement;salary increases during your period of employment;increases in pension granted by the pension fund during your period of employment.Irrespective of your age, you start to accrue Retirement Pension when you commence employment with Heineken.The amount of pension you will receive from the Heineken Pension Fund depends mainly on the salary you have earned, the contents of the pension scheme you are a member of and the number of years of membership. Retirement Pension is normally paid out monthly after you reach the age of 68 for as long as you live. The amount of Retirement Pension you will receive is set out in your Uniform Pension Statement (UPO) which you can find in MyPension and on www.mijnpensioenoverzicht.nl.The pension scheme you participate in is a benefit agreement. Every year you accrue pension over part of the gross salary you have earned in that year. It is possible that not your entire gross salary is pensionable salary.See Article 4 of the Pension scheme for what is meant by pensionable salary.The pension scheme also sets a pensionable salary limit, which on 1 January 2025 stands at € 137,800. No pension is accrued on any part of your salary above this limit. This amount is adjusted annually in accordance with the provisions of Article 18a of the Wages and Salaries Tax Act 1964.You do not accrue pension over the whole of your pensionable salary. This is because your pension provider takes into account the AOW you receive from the government when you reach state pension age. That part of your pensionable salary over which you do not accrue pension is referred to as ‘offset’ (franchise).You build up 1.875% annually in Retirement Pension over your pensionable salary less the offset.The pension basis is equal to your pensionable salary less the offset.The pensionable salary is maximised to a ceiling of € 137,800 (2025). You also receive a state pension from the government.ExampleYour pensionable salary is € 25,000 per annum. The offset is € 15,000. In that year you accrue 1.875% in Retirement Pension over the pension basis of € 10,000. That is € 187.50 in that year. The Retirement Pension you receive upon retirement is the sum of all annual accrued pensions, plus any indexation compensation.Would you like more information and/or wish to know exactly what our pension scheme offers? See the pension scheme or the brochure ‘Pension Scheme for participants who commenced employment after 31-12-2005’.

Generally speaking, money drops in value every year. You can buy less in 2022 than you could in 2021. This is referred to as ‘inflation’. The Heineken Pension Fund tries to index-link the pension you have accrued each year. In other words, the pension you have built up is increased in line with the general increase in prices. We call this an index-linked pension. Unfortunately we are not always able to do that. If we are faced with financial difficulties then it is always possible that the Heineken Pension Fund is unable to index-link pensions either fully or partially. Subsequently, that means your pension drops in value. If finances then start to improve, extra indexation compensation can be granted to regain purchasing power.Indexation compensation can only be granted if the policy funding ratio is at least 110%. If the policy funding ratio is somewhere between this threshold of 110% and the present upper limit of 125%, then only partial compensation for indexation can be granted. If at a given time the policy funding ratio is above or the same as this upper limit, then full compensation for indexation can be granted.Our expectation is that we shall not be able to increase your pension over the next few years. When the fund is again able to grant indexation compensation it will only be partial compensation in the initial years. Full indexation compensation based on the price index can only be granted at a funding ratio that currently stands at approx. 125% or above. However, this upper limit does fluctuate. If the rate of interest increases, then the upper limit for indexation compensation will probably also rise.Over the past three years the Heineken Pension Fund has increased pensions by means of indexation as follows*:IndexationPrice increases20253.13%3.54%2024–-0.41%202314.33%14.33%* The figures indicating price increases are based on the figures published by the Netherlands Central Bureau of Statistics (CBS).Prospects in scenario’s In your Uniform Pension Overview (UPO) and on www.mijnpensioenoverzicht.nl your pension to be acquired is also shown in three scenarios in prospects, in addition to your pension to be acquired according to the pension regulations.These scenarios provide an estimate of the pension if there are windfalls or setbacks in the future. Through three amounts based on an optimistic, expected and pessimistic scenario, you will gain insight into the uncertainty surrounding the purchasing power of your pension. An important assumption for all three amounts is that you will continue to work until your 68th birthday and continue to accrue pension within the current scheme. If you stop working on a earlier age, your pension will be lower.Various scenarios have been devised. The one scenario is based on a positive situation in terms of interest, investments and price increases (purchasing power). The other is based on a negative situation. All pension funds and insurers use the same scenarios.The expected scenario is shown in the middle at the top. This is the pension you could expect to receive in due course on the basis of current figures. At the moment there is a 50% chance that your pension will be lower and a 50% chance that your pension will higher than this amount. The expected sum total is based on the assumption that your pension will be partially increased in line with price increases.The optimistic scenario (the arrow on the right) shows the amount you are likely to receive in the event of a very positive situation. At present, there is only a slight chance (5% of the prospects) that you will arrive at a higher amount than the one shown on the right. In the optimistic scenario it is assumed that your pension, in conformity with the price increases, will be increased.The pessimistic scenario (the left arrow) shows the amount you are likely to receive if the situation becomes much worse than expected. Here too, at the moment the chance is only small (5% of the prospects) that you will receive a lower amount than the one shown on the left. The pessimistic scenario is based on a cut back on pensions.

When entering employment at HEINEKEN, you can bring along the pension that you accrued with another pension fund or insurance company. That is called 'value transfer'.What has been arrangedIt is possible for new employees to bring along pensions to us that were accrued with other pension funds and insurance companies. You can learn more about this option by filling in the Pension Comparison. This is a tool that can offer you insight into the differences between pension schemes. If your pension is between € 2 and €613,52 per year (in 2025), then your pension will be transferred automatically. If your pension is less than € 2 per year, your pension will be forfeited by operation of law. The reason for that is that the pension administration costs are higher than € 2.What do you have to doIf you are considering bringing along pension to us that was accrued earlier, please send us a request to receive the value transfer calculations. You can do that using the Request for value transfer form. If you wish to actually transfer the pensions with other pension funds and/or insurance companies to us, then you have to approve the statement that you will receive from us.You also have the option to not approve the statement you will receive from us. As a result, the value transfer will not take place. It has no further consequences for your pensions.Please contact us if you have any questions. We will be happy to help.Buy-outIn certain situations, we are permitted to buy out your pension. That means that we pay out to you the pension you have accrued with us in one go. In that event, you will not receive any pension from us in the future.What has been arrangedWe can buy out your pension if it is less than € 613,52 (in 2025) per year.What do you have to doYou do not have to do anything for this. If we are planning to buy out your pension, we will contact you.Please contact us if you have any questions. We will be happy to help.Click here for My PensionWhere can you find more informationYou can find the information and the amounts of the pension in My Pension and in the Uniform Pension Statement. You can also have a look on www.mijnpensioenoverzicht.nl (log in using DigiD).Would you like to receive more information and/ or would you like to know exactly how our pension scheme benefits you? Check the pension scheme or visit the FAQ section.

When you commence employment with HeinekenIf you commence employment with Heineken you can take your accrued pension with another pension provider to the Heineken Pension Fund. We call that value transfer.You can apply for a form Request for Value Transfer. If you have more than previous employers, please use one form per previous employer. You can send the form(s) to pensioenfonds@heineken.nl. The Heineken Pension Fund contacts your previous pension provider(s). You will then receive a list from the Heineken Pension Fund stating what you can insure with us in exchange for transferring your previous pension. You can approve the quote and we will then process the value transfer. As soon as your entitlements are placed with us you will receive a new statement of your pension entitlements, including the transferred entitlements. Please note the this process can take up to six month until completion.If you leave employment with HeinekenAre you leaving Heineken and are you going to a different pension scheme? The amount of your accrued pension per annum determines what happens to your pension.If your accrued pension is higher than €613.52 per annum (2025), you decide whether or not to take your pension with you. You must arrange this value transfer with the pension provider of your new employer. Be sure to inform yourself about this in advance. Whether value transfer is a good choice depends, among other things, on the financial situation of your current and your new pension provider. If you decide to not request a value transfer, your pension will remain with the Heineken Pension Fund and will be paid to you in due time. You no longer pay a premium to the Heineken Pension Fund and you will accrue pension in the scheme of your new employer.Would you like help with making your choice? We would be happy to help you by informing you about the most important points for attention with value transfer.If your accrued pension is less than €613.52 per annum (2025) and higher than € 2 per annum, the Heineken Pension Fund will automatically transfer your pension to your new pension provider. The Heineken Pension Fund will therefore annually check at the pension register if you accrue pension with a new pension provider. If you do not have a new pension provider, your pension will remain with the Heineken Pension Fund.If your accrued pension is lower than € 2 per annum, you will not receive that. This is legally determined.

What risks are there?The level of your pension is not fixed. It is possible that your pension will not increase with the rise in the consumer price index (CPI). This is because the Heineken Pension fund has to deal with, among others, the following risks:On average, people are living longer. This means that we have to pay pensions for a longer period.Low interest rates make pensions more expensive. This means that the Heineken Pension fund needs more money to be able to pay the same pension.The accrual percentage of 1.85% is not fixed. Under certain circumstances it can be lowered.The results of our investments may be less than expected.Read moreIndex-linked pensionThe value of money decreases every year because of the rise of the consumer prices. We seek to increase your accrued pension by the level of the rise of the consumer price index (CPI). This is known as indexation. Whether and, if so, to what extent pensions will be increased by indexation depends on the financial assets of the Heineken Pension fund. The last three years the indexation is as follows:2025:  3.13%2024:  0%2023: 14.33%Read moreWhat if there the financial buffers are insufficientBecause we have insufficient financial buffers, we have a recovery plan with the following measures:We do not (fully) increase your pension by means of indexationIn the most extreme case we reduce your accrued pensionRead more

Als je bij HEINEKEN werkt, bouw je pensioen bij ons op. Je ontvangt dit pensioen standaard vanaf het moment dat je de AOW-leeftijd bereikt. Iedere maand, zo lang je leeft. Je kunt kiezen om je pensioen eerder dan de AOW-leeftijd in te laten gaan. Bij ons kun je vanaf de leeftijd 58 jaar (in 2025) je pensioen in laten gaan. Veel mensen gaan met pensioen als ze de AOW-leeftijd bereiken. Daarom noemen we dat de reguliere pensioendatum.De pensioenregeling van HEINEKEN is erop gericht om er voor te zorgen dat je vanaf het moment waarop je met pensioen gaat een goed inkomen hebt. Ook is er een pensioen voor je partner en kinderen als je overlijdt.Als je bij HEINEKEN werktAls je bij HEINEKEN werkt, betaal je iedere maand premie voor jouw pensioen. De werkgever betaalt ook elke maand premie voor jouw pensioen. De premie die je zelf betaalt, vind je terug op jouw loonstrook. In de Benefits Bar zie je ook hoeveel de werkgever betaalt voor jouw pensioen.De hoogte van het pensioen vind je op Mijn Pensioen en we informeren je ieder jaar met het Uniform Pensioenoverzicht (UPO). Heb je ook bij een andere pensioenuitvoerder pensioen opgebouwd? Dan zie je een totaaloverzicht op www.mijnpensioenoverzicht.nl (log in met DigiD).Voor de volledige pensioenregeling, verwijzen we je naar het Pensioenreglement.

Each year you accrue pension over part of the pensionable salary you have earned in that year. That part of your salary over which you do not accrue pension is referred to as ‘offset’.You build up 1.875% annually in Retirement Pension over your pensionable salary less the offset of €19.795 (2025).ExampleYou earn € 25,000 per annum. The offset is € 15,000. In that year you accrue 1.875% in Retirement Pension over the pension basis of € 10,000. That is € 187.50 in that year. The Retirement Pension you receive upon retirement is the sum of all annual accrued pensions, plus any indexation compensation.Would you like more information and/or wish to know exactly what our pension scheme offers you? See the pension scheme or the brochure ‘Pension Scheme for participants who commenced employment after 31-12-2005’.

Supplementary Partner’s PensionIf you wish to make arrangements for a higher pension for your partner you can take out a Supplementary Partner’s Pension with the Heineken Pension Fund. If you opt for this voluntary supplementary pension, then your partner will receive a Partner’s Pension up to and including the month in which he/she is entitled to his/her state pension, irrespective of whether he/she marries, (again) enters into a civil partnership or (again) starts to cohabit with his/her partner in the meantime. The annual sum paid out under this Supplementary Partner’s Pension is € 20.354,64 (2025).The partner's own income is not cut back and, even if Anw benefit is awarded by the Government, the HPF Supplementary Partner’s Pension is paid out in full.If you are an employee employed by Heineken and if you have a partner who has not yet reached his / her AOW commencement date, you will automatically be registered for the Supplementary Partner's Pension Scheme if you are married or have a registered partnership. Contributions to this scheme will automatically be withheld from your gross salary. Participation in the Scheme is also possible if you have a cohabitation agreement. In that case, you must send us a copy of the signed notarized cohabitation agreement.You can see on the most recent Uniform Pension Statement under the heading ‘Payment upon death’ whether you participate in this scheme. Should you still wish to become a member of this insurance scheme then you can re-register subject to certain conditions. You can register for this insurance by downloading the form ”Registration Form for the Supplementary Partner’s Pension” and submit it via AskHR.If you no longer wish to be a member of this scheme then you must complete the form “Waiver for the Supplementary Partner's Pension” and send it to pensioenfonds@heineken.nl.Would you like more information and/or wish to know exactly what our pension scheme offers you? See the (supplementary) pension scheme or the brochure ‘Pension Scheme for participants who commenced employment after 31-12-2005’.