Working people with an inadequate pension provision: Possible solutions for the blank and grey spots and pension accrual of the selfemployed

“A more binding system with a pension obligation is possibly required”

The pension agreement is a clear step towards a future-proof Dutch pension system. However, some problems remain, like eroding participation in second-pillar pension schemes. The self-employed usually fall outside of current schemes, and a substantial ‘blank spot’ of employees without active pension accrual exists. Concerns are also growing about schemes in certain sectors that offer an inadequate pension, the so-called ‘grey spot’. This report discusses the problem of inadequate pension accrual and explores possible solutions.

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Key Takeaways for the Industry

  • Finding a satisfactory solution to insufficient pension accrual of employees and the self-employed may require a more binding system with a pension obligation for employers and/or employees, possibly combined with automatic enrolment.

Want to know more?

Read the paper Working people with an inadequate pension provision: Possible solutions for the blank and grey spots and pension accrual of the selfemployed from Cindy Biesenbeek (DNB), Klaartje de Boer (VCP), Casper van Ewijk (UvA, Netspar), Jan van Ewijk (AFM), Marcel van Gooswilligen (PGB Pensioendiensten), Herman Kappelle (Aegon/VU), Erik Lutjens (VU), Mariëlle Mertens (Loyalis), Sander Muns (Tilburg University), Henk van der Schaft (FNV) and Arthur van Soest (Tilburg University).

Netspar, Network for Studies on Pensions, Aging and Retirement, is a thinktank and knowledge network. Netspar is dedicated to promoting a wider understanding of the economic and social implications of pensions, aging and retirement in the Netherlands and Europe.

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