Do you work in hospitality and are you over 18 years old? Then you automatically build up a pension through your employer with the Pensioenfonds hospitality & Catering.
The accumulation of your pension is not arranged in the CLA hospitality, 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. In addition to this pension, you receive a General Old Age Pensions Act benefit (AOW) from the government.
How does the hospitality 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 pay 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 reflected on your payslip. You receive the accrued pension from the moment you reach your retirement age. This old age pension is in addition to the amount you receive in AOW.
General Old Age Pensions Act, AOW
You build up a full AOW benefit if you have lived in the Netherlands during the 50 years before your AOW benefit starts. For each year you miss, 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 Rijksoverheid website, you can find more information and check when you are entitled to AOW.
Survivor's pension within the hospitality sector
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, note 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 sit on 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;
Additionally, we are part of the accountability body of the Pension Fund for Hospitality & Catering with employees and pensioners.
Retirement age in hospitality and catering to 68 years
In the basic pension scheme for hospitality and catering, the standard retirement age is 68 years. When you retire in the hospitality sector, you can more or less decide for yourself by making the right choices. Do you want to retire earlier, later, or partially? That is possible, but it does have consequences for the amount you receive. On the website of PH&C, you can find more information about this.
Your personal online environment at Pension Fund hospitality & Catering
At mijnphenc.nl, the personal online environment of Pension Fund hospitality & Catering, you will find all the information about your pension. You can read about the decision moments for, for example, additional old-age pension accrual and survivor's pension. When you log in with your DigiD, you enter your personal online environment. There you will always see your Updates pension status and other information about your pension and the choices you can make.
The new pension scheme
The Future Pensions Act came into effect on 1 July 2023. Pension Fund 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 pensioners on the new pension scheme
PH&C organised a webinar on 3 November about the new scheme starting from 2026. It explained how pensions can increase more quickly, but also decrease in the new scheme. It also covered how the risks of potential decreases are minimised as much as possible. Additionally, it was explained that in the new scheme, the pension payment is determined annually. Watch the webinar replay.
Frequently asked questions about your pension
Is a pension mandatory in the hospitality industry?
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 the hospitality industry?
The old-age pension is a gross amount, meaning you still have 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 have to pay additional tax. For more information, visit phenc.nl.
Pension in hospitality, from what age?
In 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 do I start accruing pension in the hospitality industry?
You start building up a pension from the age of 18 with the Pensioenfonds hospitality & Catering. You do not need to sign up for this yourself, as it is automatically arranged through your employer.
How much pension contribution is in the CLA hospitality?
The CLA hospitality does not mention anything about the pension or pension premium. The rules regarding pensions in the hospitality sector are announced in a separate agreement. Currently, the pension premium percentage is 16.8%, of which the employer deducts half (8.4%) from the salary. You can find all the information on the website of Pensioenfonds hospitality & Catering.
How much pension would I receive in hospitality?
The amount of pension varies per person and situation. To get a better understanding of your hospitality pension, it is best to contact Pensioenfonds hospitality & Catering or log in to your personal account at phenc.nl.