Surviving dependents insurance
When a person dies, their surviving dependents usually face a loss of income. As a University employee, you can take out supplementary surviving dependents insurance via Loyalis, to avoid leaving your family behind with financial stress.
How does it work?
The surviving dependents insurance supplements your partner’s and/or family’s income on a monthly basis. It is supplementary to any pension they may be entitled to under the Surviving Dependents Act (Algemene nabestaandenwet, Anw) and the Surviving Dependents Pension you have accrued via ABP. The surviving dependents insurance premium depends on the choices you make, such as your selected monthly pension in case of death.
Register for the surviving dependents insurance
The supplementary surviving dependents insurance with Loyalis is optional. You can register via the Loyalis website.
Supplementary insurance to cover for Anw-gap
From 1 May 2018 the pension scheme has changed, with the expiration of Anw-compensation. In the event of unfortunate death, there may be considerable financial consequences for the surviving dependents. You may decide that you want to take out supplementary surviving dependents insurance for more financial security. Leiden University has an agreement with insurance company elipslife.
What is Anw-compensation?
If you die, your partner may be entitled to a benefit from the government. This is regulated via the National Survivor Benefits Act (Anw). In some situations, ABP used to supplement the survivor's pension when they did't receive or only partially received the Anw-benefit. This was called the Anw-compensation. Since 1 May 2018 the compensation has expired.