The senior’s pension is a lifelong benefit that you receive from the age of 65.

APS calculates your pension based on your average salary over all of your years in service. Your future pension also depends on your number of service years and parttime percentage.

AOV from the government

The AOV is a social insurance for every inhabitant of Sint Maarten. The AOV benefit is paid by the Social & Health Insurances (SZV). The pension that you receive from APS is the pension that you have accrued via your employer.

How to apply for your pension

Before you retire, you must apply for your old age pension three months before your actual retirement date. After receipt of your application, you will be notified by APS about the procedure.

Live abroad? Attestatie de Vita

If you live abroad, you must submit an ‘Attestatie de Vita’ (life certificate) to APS twice a year, in the months of June and December, to continue to receive your pension. You can apply for this document with the Census Office. You do not have to submit a life certificate if you live in Sint Maarten.

Moving outside of the Dutch Kingdom?

Have you accrued pension with APS for less than five years and are you going to emigrate outside the Kingdom of the Netherlands? In that case, you can – with permission of your spouse (if applicable) – apply for pension premium restitution. You will receive 50% of paid pension premiums in a one-time lumpsum payment . Please note, this does not apply if you are divorced.

Retiring early is possible

The standard retirement age is 65. However, you can choose to retire earlier. Your pension will be lower if you retire earlier. Please contact us for a calculation of different retirement scenarios.

Pension payments

Your pension is paid out to you each month. This payment can only be made into a local bank account registered in your name or, in case you live in The Netherlands, a Dutch ING bank account. You will receive a monthly pension slip from APS. In addition, you will receive a wage tax card once a year.

Pension of ANG 200 per month or less?

When your accrued pension benefit is lower than ANG 200 per month, APS will pay out your pension in a one-time lump sum payment.

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