A new partner, or a divorce? This will affect your pension, and the choices you have to make when you retire. For instance, arranging a pension for your surviving dependants or a higher pension benefit initially and a lower benefit later on?
![](/sites/www.marspensioen.nl/files/styles/thumbnail/public/_ouderdomspensioen_9.png?itok=pRbbB27J)
Starting employment
You begin accruing pension automatically, for when you retire and for your surviving dependants if you die.
![](/sites/www.marspensioen.nl/files/styles/thumbnail/public/_samenwonen%20trouwen_1.png?itok=AR12AdB2)
If you get married or enter into a registered partnership
Your partner is immediately insured for a benefit if you die. And your children as well.
![](/sites/www.marspensioen.nl/files/styles/thumbnail/public/_scheiden_1.png?itok=sSCHKr0X)
Separation
Make agreements regarding the division of your retirement pension and special partner’s pension for your former partner.
![](/sites/www.marspensioen.nl/files/styles/thumbnail/public/_arbeidsongeschiktheid%20en%20premievrijstelling_3.png?itok=YceZe-_P)
Incapacitated for work
We will contact you in this case.
![](/sites/www.marspensioen.nl/files/styles/thumbnail/public/_verhuizen%20naar%20het%20buitenland_1.png?itok=UzRHTm4I)
Moving abroad
![](/sites/www.marspensioen.nl/files/styles/thumbnail/public/_waardeoverdracht-55_3.png?itok=LO4ob9js)
Leaving employment
What is your choice?
- Not yet retired: value transfer or leave your pension where it is
- Retire
![](/sites/www.marspensioen.nl/files/styles/thumbnail/public/_keuze-64_0.png?itok=kBlwGTcg)
When you retire: the choices you have to make
- Initially a higher pension, then lower later (or vice versa)
- Exchange retirement pension for partner’s pension (or vice versa)
- Purchasing pension