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Retirement & Pension

Remote offers a comprehensive Occupational Pension Plan in the Netherlands as a mandatory part of the employee benefits package to ensure compliance with local labor laws. This plan, which includes retirement savings, life insurance, and disability insurance, is provided to all employees in the Netherlands to ensure their long-term financial security.

  • Contribution overview

    • The employer cost is 15.2% of the pension base, plus a risk premium of approximately 0.6% to cover insured benefits like disability and death. The employee contribution is 4.8% of the pension base, making the total pension contribution 20%.
    • Employees may opt out of their personal 4.8% contribution if they prefer not to contribute.
    • The pension base is calculated as the employee’s fixed annual salary (capped at €137,800 in 2025), minus the franchise (€18,475 in 2025).
    • For example, for a salary of €75,000, the pension base would be €56,525 - resulting in an employer cost of €8,591/year.

    The pension scheme includes:

    • Retirement savings (defined contribution)
    • Partner & orphan’s pension (risk-based)
    • Waiver of premium (pension continues if employee becomes disabled)
    • WIA-excedent insurance (income top-up after 2 years of disability)
    • Optional ANW shortfall insurance (survivor benefit if state ANW is insufficient)