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Pension Planning
and Advice


miQ in business, the trusted pension consultant

All employers pension plans are subject to the Dutch Pensions Act. This means among others that employees’ pensions need to be insured outside the company. Some companies may have their own pension funds, and others, if working in certain sectors, are obliged to be part of a collective pension fund. Finding the right pension scheme, implementing it and then managing it can be complex and have major implications on the company. miQ in business is the trusted pension management and consultancy firm.

New pension schemes

miQ in business is a full-service pension management and consultancy firm. After the advisory phase is completed, we can oversee all the arrangements of buying into a pension insurance scheme on your behalf. Once in place, we can manage your corporate pension plan and your entire pension administration. Not only does this save you administration time, it is often the more economical as we are specialist with up to date knowledge regarding pension and tax legislation.

Reviewing pension schemes

With the changing pension environment in the Netherlands, how do you know that you have the pension scheme that best matches your company? And what about the future? miQ in business offers a second opinion service that assesses your current pension scheme so that you can be sure that you not only have the best pension scheme for your company, but that your pension scheme complies with current legislation. Does your pension scheme comply with the fiscal framework laid down in the Witteveen 2015 bill? Does it comply with the nett accrual regulations or with the VAP Act which raises the age of pension claimants to 67 years? We can also check if your pension scheme meets the Equal Treatment Act (WGB) that prohibits age discrimination in the payment of premiums. If your company is being merged, it will need to unify different pension schemes in accordance with legislation. miQ in business can ensure that this is done properly.

Managing collective contracts

Does your company have a collective pension scheme at an insurance company? If so, you are required to inform the insurance company of any changes in the situation of your employees. miQ in business can do this for you and will check that any payments are processed properly. This will save you time and money. miQ in business is the trusted pension management and consultancy firm.

Dispensation for company pension funds

If your employees, including those on detachment at other companies, are insured through a company pension fund, you may be paying for the insurance without receiving any benefits. In cases like these, we will check if the company has other pension options, for example in one of the sector-wide pension funds. Our experience has shown us that many companies believe that they are required to insure their employees through a company pension fund while this is not necessarily the case.

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