Is my employer obliged to make a pension plan for me?
No. According to the law, your employer is not obliged to make a pension scheme for you and your colleagues, unless collective agreements have been made about this. Your employer is obliged to offer you a pension scheme if this is included in your collective labor agreement (CLA), or if your employer falls within a sector with a collective industry-wide pension fund. In the case of a collective labor agreement, please note that it has been declared binding by the Minister of Social Affairs and Employment.
Practice shows that about 80% of employers offer a pension scheme, while about 20% of employers do not. Does your employer not offer you a pension? Then you can always take action yourself. More about this in the remaining questions under the heading 'My pension'.