ANW gap insurance
            If you die before your state pension age, under certain conditions your partner is eligible for a benefit from the government; the ANW benefit
          
        
        
        
          
        
        
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          Anw gap insurance for death before state pension age
        
      
      As an employee of Compagnon, you are insured for a survivor's pension. If you die unexpectedly before reaching retirement age, your partner will immediately receive a lifelong and annually payable partner's pension.
Your minor and/or student children will then receive an annual orphan's pension. The amount of these pensions depend on your years of service and salary.
Good to know
What is the ANW gap pension?
The ANW gap pension is an additional insurance to the partner's pension. If you die before your retirement date and your partner is not entitled to a statutory ANW benefit, this insurance provides an additional annual benefit similar to the ANW.
              
              How high is the supplemental benefit?
The additional benefit is approximately equal to the amount of the statutory ANW benefit. The exact amount can be found in your personal pension portal.
              
              
            How do I pay the premium?
The premium is deducted from your gross salary, so you pay less net. You can view the exact premium through your personal pension portal.
              
              Why is this insurance important?
Not everyone is eligible for a statutory ANW benefit. This insurance prevents your partner from being left without financial support.
              
              How do I apply for the ANW gap pension?
If you want to take advantage of this additional insurance please indicate this in your personal retirement portal and sign up with the Compagnon HR department.
Can I join later?
Yes, you can. However, keep in mind that you may then have to fill out a health certificate.
              
              What happens to this insurance if my employment ends?
Upon termination of your employment, the coverage lapses. Your partner will then receive no benefit from this insurance in the event of your death.
Please note: If you receive WW benefit after leaving employment, the partner's pension will remain in place as long as that WW benefit is in effect.
              
              Please note: If you receive WW benefit after leaving employment, the partner's pension will remain in place as long as that WW benefit is in effect.
What does participation in the ANW gap pension cost?
Companion pays 50% of the premium for this supplemental insurance. Your co-payment is deducted from your gross pay, making the net cost relatively low.
              
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