Echtscheiding | 6 misvattingen die je pensioen kunnen bederven

6 misvattingen die je pensioen kunnen bederven

De wet bepaalt dat de pensioenaanspraken die zijn opgebouwd tijdens je huwelijk gelijk verdeeld worden tussen jou en je ex-partner. Dit heet de wet verevening pensioenrechten bij echtscheiding. Dat klinkt eenvoudig maar toch bestaan er over het pensioen bij scheiden veel misvattingen.

De wet regelt eigenlijk dat beide partners recht hebben op de helft van elkaars opgebouwde pensioen tijdens het huwelijk. Gun uzelf en uw ex-partner een goed pensioen en regel dit in uw convenant.

Misvatting 1:

Man: ‘bij onze scheiding hebben we niets verdeeld. Dus heb ik nu als enige recht op het pensioen dat ik heb opgebouwd’.
Niet waar. Ook als er niets verdeeld is, heeft je ex recht op de helft van het pensioen dat jij tijdens jullie huwelijk hebt opgebouwd.

Misvatting 2:

Vrouw: ‘Ik heb recht op de helft van het pensioen dat mijn ex tijdens ons huwelijk heeft opgebouwd. Dus hoef ik niets te doen om dat te krijgen, als hij met pensioen is gegaan’.
Dat hangt ervan af. Als je ex-man na zijn pensionering netjes aan jou uitbetaalt waar je recht op hebt, hoef je niets te doen. Maar hoe weet hij- en jijzelf- waar je recht op hebt? En, gaat hij dat wel betalen? En hoeveel belasting moet er worden ingehouden? Om die problemen te vermijden is het beter de scheiding te melden bij de pensioenuitvoerder. Die betaalt dan later rechtstreeks aan jou uit waar jij recht op hebt. Die melding moet binnen 2 jaar na de scheiding worden gedaan. Daar is een formulier voor.

Misvatting 3:

Man: ‘Wij waren op huwelijkse voorwaarden gehuwd, buiten gemeenschap van goederen. Dan heeft mijn ex toch zeker geen recht op de helft van mijn pensioen’?
Niet waar. Uw vrouw heeft altijd recht op de helft van uw pensioen dat u tijdens het huwelijk heeft opgebouwd. Dat is alleen anders als dat in uw huwelijkse voorwaarden uitdrukkelijk is uitgesloten. Of als zij er in het scheidingsconvenant afstand van heeft gedaan.

Misvatting 4:

Vrouw: ‘In de pensioenregeling van mijn ex zat een pensioen voor mij van 70% voor als hij zou overlijden (partnerpensioen). Dat loopt toch door na de scheiding’?
Dat hangt ervan af. U heeft recht op het deel van het partnerpensioen dat voor u is opgebouwd tot uw scheiding. Maar de meeste pensioenregelingen bouwen tegenwoordig voor het partnerpensioen niets meer op. Op het moment van scheiding is er dan niets opgebouwd. Het is verstandig dit vóór de scheiding te laten uitzoeken en eventueel alsnog een pensioenregeling voor u te treffen. Dat kost natuurlijk geld. In sommige gevallen is uw man verplicht daarvoor (mee) te betalen.

Misvatting 5:

Vrouw: ‘Mijn ex heeft een hoog pensioen opgebouwd tijdens ons huwelijk en ik heb recht op de helft daarvan. Ik heb de scheiding op tijd gemeld bij de pensioenuitvoerder. Dus ik ben goed verzorgd tot mijn overlijden’.
Niet waar. Al heeft u recht op de helft, het blijft zijn pensioen. Het eindigt daarom bij zijn overlijden. Daarna heeft u er geen recht meer op, ook al heeft u zelf nog jaren te gaan. Misschien heeft u dan wel recht op een bijzonder partnerpensioen (zie hierna).

Misvatting 6:

Vrouw: ‘Mijn ex heeft een flink pensioen opgebouwd tijdens ons huwelijk en bij zijn eventuele overlijden heb ik recht op een aardig “bijzonder partnerpensioen”. Dat zit dus wel goed voor mijn oude dag’.
Misschien niet waar. Sommige pensioenreglementen bepalen dat eerst moet worden uitgerekend welk kapitaal nodig is om het bijzonder partnerpensioen zeker te stellen. Dat kapitaal wordt opzij gezet en komt in mindering op wat is opgebouwd voor het gewone pensioen. Daardoor wordt het gewone pensioen, waar u te zijner tijd de helft van krijgt, sterk verlaagd.

Let op! Een goed geregeld pensioen na echtscheiding is een belangrijke inkomstenbron na uw pensioengerechtigde leeftijd. Bedenk wel dat u dit onderwerp altijd aandacht geeft in het convenant, ook al duurt het soms nog jaren voordat u met pensioen gaat.

 

Endore kan u als echtscheidingmediator en coach bijstaan tijdens uw echtscheiding. Mijn kantoor is gevestigd in Zwolle, maar mijn werkgebied strekt zich ver uit in de regio.

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