This page was last updated on: October 15, 2025
On October 15th, De Unie a collective labor agreement concluded with Achmea. You can read the full message here.
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What does Achmea propose in terms of wage increases in the new collective labor agreement?
Achmea is offering a 6,5% structural salary increase over 24 months. Starting January 1, 2026, the salary will increase by 3,5%, and by 3% starting January 1, 2027. In addition, there will be a one-time payment of €1.250 in January 2026 and a 0,8% structural bonus starting in July 2027 for those employed at that time.
What finds De Unie of this wage offer?
Although Achmea is offering more than in previous rounds, the difference with the unions' commitment remains too great. They are demanding higher structural increases (minimum 4,5% and 4%). Therefore, De Unie this proposal is “just not”.
What was the stake of De Unie and the other unions?
The unions are structurally demanding 5% per year (10% in total over two years), including compensation for inflation and productivity.
Pension and pension premium
How does the WTP change the pension scheme?
Effective as of July 1, 2027: this could lead to lower pension accrual, higher risks for employees and lower costs for Achmea.
What will change in the pension scheme?
Effective July 2027, the employee contribution will increase from 3,25% to 4,25%. This will be offset by a structural compensation supplement of 0,8% of salary. The orphan's pension will also be adjusted: benefits will be provided up to age 25 without a study requirement.
What do the unions think about the pension contribution and scheme?
Trade unions want to maintain or even reduce the current contribution.
What happens to the SBZ group when switching to the Wtp?
Achmea is making €41 million available to employees and pensioners in the EVR group (SBZ) as compensation for the loss of supplementary allowances.
Follow-up process and planning
Are negotiations still ongoing?
According to Achmea, this is a final proposal. This means there will be no further negotiations.
What does it mean that there is no negotiating agreement?
The unions did not co-sign the proposal. It is a final proposal from Achmea. The collective labor agreement proposal will only become valid if a majority of employees approve it.
What happens if the employees vote against?
In that case, there will be no collective labor agreement as of September 1, 2025. New negotiations or actions may follow, depending on the outcome of the vote, Achmea's response, and consultation with members.
Other subjects
What agreements are there for older employees?
The "Step-Back" scheme is being expanded: four years of pension accrual based on the previous number of hours instead of two. Existing schemes will also be better promoted.
What does the final proposal say about mobility?
The maximum travel allowance will be increased from 50 km to 70 km one way as of January 2026. In addition, a pilot with electric public transport bicycles will be launched at the Zeist and Apeldoorn locations.
How can I use my PKB for tax purposes?
You can use up to €1.500 per year from your personal budget (PKB) to pay off your DUO debt (bad luck generation) or for financial advice. This applies from April 2026 at the latest, and retroactively for costs from September 1, 2025.
What is the climate budget for new employees?
New employees from September 1, 2025, will receive a climate budget of €2.500 net (pro rata for part-time employees) after one year of employment. The budget is valid for one year.
What regulations apply to training?
The three deployment days will be called AYCL days ('All You Can Learn') and can be used for training and development. Existing training opportunities will also remain available.
How do you gain influence?
How are employees involved in the process?
Employees were consulted through surveys and can now vote anonymously on the proposal through research agency Innervoice. The outcome will determine whether Achmea's final proposal is accepted.
Gives De Unie a voting recommendation?
Nee, De Unie does not advise to vote for or against. However, it does De Unie explanation of the content of the proposal so that members can make an informed choice.
What can employees do to unionize? De Unie to support?
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