Do you work in catering and are you over 18 years old? Then you automatically build up a pension through your employer with the Pensioenfonds hospitality & Catering.
The accrual of your pension is not arranged in the catering CLA, but in the pension scheme for hospitality and catering employees. This means that participation in the pension scheme is mandatory for employees working in hospitality and catering companies. This applies from 1 January 2024 from the age of 18. In addition to this pension, you will receive a General Old Age Pensions Act benefit (AOW) from the government.
How does the catering pension work?
If you are 18 years or older, you accrue an old age pension with the Pension Fund for Hospitality & Catering. You and your employer both contribute to the pension premium. The premium percentage is 16.8%. Your employer pays the pension premium to the Pension Fund for Hospitality & Catering. Half of the premium (8.4%) is deducted from your salary by your employer. So, you both pay a part. The amount deducted is shown on your payslip. The accrued pension is received from the moment you reach your retirement age. This old age pension is in addition to the amount you receive from AOW.
General Old Age Pensions Act, AOW
You accrue a full AOW benefit if you have lived in the Netherlands during the 50 years before your AOW benefit commences. For each year missed, the AOW is reduced by 2%. The AOW age is gradually being increased. You receive your first AOW benefit on the day you reach the AOW age. On the website of the Dutch government, you can find more information and check when you are entitled to AOW.
Survivor's pension within catering
A survivor's pension ensures that your partner and children are not left without support if you Card away. In the basic pension scheme for hospitality and catering, this is not arranged by default. It is possible to insure yourself for a survivor's pension with the Pension Fund for Hospitality & Catering. However, be aware that this can only be done at certain times. On the PH&C website, you can find more information about the survivor's pension.
De Horecabond contributes to your pension
Pension is an important theme for us. Therefore, on behalf of De Horecabond, three board members are part of the board of the Pension Fund for Hospitality & Catering. They do the following, among other things:
- Directing the administrative and financial management of the pension fund;
- The strategy of the pension fund;
- Monitoring the correct implementation of the policy and adjusting statutes/regulations when necessary;
- Executing the pension schemes by the implementing organisation;
In addition, we are with employees and pensioners in the accountability body of the Pension Fund for Hospitality & Catering.
Retirement age in hospitality & catering to 68 years
In the basic pension scheme for hospitality and catering, the standard retirement age is 68 years. If you are retiring in catering, you can more or less decide for yourself by making the right choices. Do you want to retire earlier, later, or partially? That's possible, but it will affect the amount you receive. You can find more information on the PH&C website.
The new pension scheme
The Future of Pensions Act came into effect on 1 July 2023. The Pension Fund for Hospitality & Catering will implement the new pension scheme on 1 January 2026. Employers' and employees' organisations (KHN, De Horecabond, CNV, Veneca, and de Unie) have made agreements on what the new scheme will look like. The wishes and characteristics of the sector have been taken into account.
The new pension scheme applies to everyone. Whether you are building up a pension, have built one up, or are already retired. There will also be insurance arranged for your partner and/or children if you Card away. What remains the same and what changes? You can read more information on the PH&C website or read everything in the PH&C magazine.
Due to the new pension scheme, new terms have been introduced. What does 'Invaren' mean, for example? But existing pension terms can also sometimes be quite complicated. View more information here.
Webinar for retirees on the new pension scheme
PH&C organised a webinar on 3 November about the new scheme from 2026. It explained how pensions can increase faster, but also decrease in the new scheme. And how the risks of possible decreases are prevented as much as possible. It was also explained that in the new scheme the pension payment is determined annually. Watch the webinar replay.
Your online environment at the Pension Fund for Hospitality & Catering
On mijnphenc.nl you will find all the information about your pension. Log in with your DigiD to always see your Updates pension status and other information about your pension and the choices you can make, such as additional pension accrual and survivor's pension.
Early Retirement Scheme (RVU)
Good news! CLA parties have decided to extend the RVU scheme until 31 December 2025. Are you under the CLA contract catering and are you up to 36 months before your state pension date? Then you can apply for an RVU benefit and possibly stop working earlier. The benefit duration of the RVU is a maximum of 36 months. There is no minimum duration. Want to know more about the scheme? Quickly visit ietsvoorjou.nu.
Who is eligible for the RVU?
Were you born between 1 February 1955 and 30 September 1961 één have you worked continuously for at least 15 years with one or more employers in contract catering? Then you may be eligible for the RVU benefit. Have you:
- had one or more periods of not working and/or worked outside contract catering;
- and are these periods together a maximum of 6 months?
Then these count towards the determination of the 15-year reference period. Are the periods of interruption together more than 6 months? Then you do not meet the reference period of 15 years of service. The benefit can only commence once you have left your employer in contract catering.
What is the amount of the benefit?
In 2024, the benefit amounts to a maximum of €2,182 gross per month. Annually, this is a maximum of €26,184. If you work part-time, the benefit is determined proportionally. View all information: ietsvoorjou.nu.
How do you apply for an RVU benefit?
You apply for an RVU benefit digitally via ietsvoorjou.nu. Prepare well.
Generation Pact Scheme
The generation pact scheme has also been extended for employees who fall under part B of the CLA and for employees in inflight (scheme from 1 April 2023).
In the context of sustainable employability, a vitality scheme has been developed, known as the generation pact scheme. This scheme allows an (older) employee to work shorter hours for a certain percentage of the original salary and original pension accrual. This enables employees to work up to a maximum of 5 years at 80% of the original working hours, for 92.5% of the salary. The pension accrual is calculated over 92.5% of the salary. The percentages for employees in inflight are 80%-95%-indicative 95%.
If during the term of the CLA catering (1 April 2024 to 31 December 2025) you become eligible for senior days (reduction of working hours, article 22) and decide to switch from part A to part B, you will have the option to choose between retaining senior days or using the generation pact scheme. You had to make this choice by 1 January 2025 at the latest.
From 1 April 2024, all employees working for an employer under inflight catering can make use of the generation pact scheme.
View the CLA catering for the conditions of the generation pact scheme applicable to you.
Frequently asked questions about pensions in catering
Is a pension mandatory in catering?
If you work in hospitality and catering and are over 18 years old, your pension is built up through your employer. You do not need to register for this yourself, as it is automatically arranged through your employer.
How does the payout work for pensions in catering?
The old-age pension is a gross amount, meaning you still need to pay tax on it. The pension fund automatically withholds the tax and pays it to the Tax and Customs Administration. The amount of tax depends on your personal situation. You may therefore need to pay additional tax. For more information, visit the website of Pensioenfonds hospitality en Catering.
Pension in catering, from what age?
Within the hospitality and catering sector, you typically retire at the age of 68. It is possible to retire up to five years before or after the retirement age. However, this does affect the amount of pension you will receive.
From what age does pension accrual start in catering?
Are you employed by a hospitality or catering company and over 18 years old? Then you automatically accrue a pension.
How much pension contribution is in the catering CLA?
The catering CLA does not mention anything about the pension or the pension premium. The rules regarding the pension in catering are announced in a separate agreement. Currently, the pension premium percentage is 16.8%. On the website of Pensioenfonds hospitality & Catering you will find all the information.
How much pension would I receive in catering?
The amount of pension varies per person and situation. To get a better understanding of your catering pension, it is best to contact Pensioenfonds hospitality & Catering or log in to your personal account.