Pensions in a row

Note which pension funds and which schemes you have. A fund from a former employer belongs on the list, even if you left there years ago. Put the name of the fund, and if you have it the participant number. Where the yearly overview is, a folder or a portal, you write in one line. You can mention the AOW as a scheme with the SVB, without a monthly amount. The list is there so that later someone can find the funds without reconstructing your career from memory. A fund you have forgotten does not get onto the list by guessing. Only what you see on an overview goes on it. The rest remains an open point with the question whether there is still another fund.

A survivor's pension is later a question for the fund, not an amount you invent now. Funds differ, and whether there is anything for a partner or for children follows from the scheme, not from a memory of a conversation. Do not write a monthly amount, a percentage or a name as a certain recipient. Do put the question ready: ask this fund whether there is a survivor's scheme, and for whom. That question is a task for later. The answer comes from the fund, with a document. Until that document is there, the field stays empty. A round figure from an old brochure is not a source and does not belong next to the name of the fund.

A fund's portal has a login. You do not put that login in the life file. Invited readers can read along with what you share. A password is then no longer a password. DigiD and other government accounts are personal. You do not store that login either, not even so that later the AOW or a government portal can be opened. Note that those accounts are personal and that no one uses them in your name from this file. The trusted person gets the names of the funds, not the keys. Ervazo stores those names and does not send them to a fund or a notary. The list with a date of the last check is the whole task of this page.

A life file is a note for later. It is not a will, not a medical instruction and not advice. The fund list helps to find papers. It does not award a survivor's pension and it appoints no heir or executor. That appointment belongs in a notarial will. A codicil has its own, strictly handwritten form and is not this list. Ervazo does not send the note to a doctor or a notary. What a fund pays out later, you read in the answer from that fund. Until that letter is there, every amount stays out of the file.