De Unie, in your interest
0345 851 851

UPO (Uniform pension overview)

UPO stands for uniform pension overview. Before 1 October each year, you will receive a UPO from your pension fund or insurer. The pension fund or the insurer is the pension provider. This time, don't put your UPO in the shoe box with last year's, but take a good look at it.

When do you receive a UPO?

You will receive a UPO every year on the pension of your current employer. You will receive a pension overview about the pensions with previous employers once every five years. If you want to know which different pensions you have accrued, go to Here you will find all your pensions together.

Check your details!

Your UPO shows how much pension you have accrued so far. Start by checking the data. Have all your details been stated correctly? Contact your pension provider if it contains information that is incorrect. Also check whether the name of your partner is listed. Are you married or do you have a registered partnership? Then your pension provider will obtain this information from the Municipal Personal Records Database. This information is then automatically shared with the pension provider. Do you have a cohabitation agreement or do you live together? Then it may differ per pension provider whether and when your partner can be admitted. To do this, contact your pension provider or check the pension regulations.

Can you make ends meet if you continue to accrue pension in the same way?

Your UPO states what the annual growth of your pension is. This is called factor A. This allows you to calculate what your expected income will be after retirement. If you do the annual growth times the years that you still have to work and you add the amount that you have accrued in pension so far, you have an indication of your income after retirement.

How do you calculate the indication of income:

A = growth factor

B = number of years left to work until retirement

C = pension already accrued

A x B + C = indication of income after retirement if nothing changes

Is this enough to keep paying for all fasting and living expenses? In short, can you make ends meet? If not, you may still be able to take action. For example by saving extra. You can save in various forms, such as a savings account, investment account or annuity policy. Another option is to investigate whether you can use the equity in your home. A possible inheritance may also offer financial scope, but this is risky because it is not known in advance what the amount of an inheritance is and when you will receive it.

A UPO also states whether and how much your partner will receive survivor's or partner's pension if you die. Again, try to estimate whether your next of kin can continue their standard of living. Children may be entitled to an orphan's pension.

If you are retired, you will also receive a UPO. This has been mandatory since 2017. The UPO states how much pension you will receive, how risky the pension is, what the survivor's pension is in the event of your death, an indexation (increase of the pension) and whether discounts have been applied.

Do you have any questions? Then contact us. We are happy to help you. We can be reached by telephone on 0345 - 851 963, but you can also email us via