Do you work in catering and are you over 18 years old? Then you automatically build up a pension through your employer with the Pensioenfonds hospitality & Catering.
The accrual of your pension is not arranged in the catering CLA, but in the pension scheme for hospitality and catering employees. This means that participation in the pension scheme is mandatory for employees working in hospitality and catering companies. This applies from 1 January 2024 from the age of 18. In addition to this pension, you receive a General Old Age Pensions Act benefit (AOW) from the government.
How does the catering pension work?
If you are 18 years or older, you accrue an old-age pension with the Pension Fund for Hospitality & Catering. You and your employer both pay the pension premium. The premium percentage is 16.8%. Your employer pays the pension premium to the Pension Fund for Hospitality & Catering. Your employer deducts half of the premium (8.4%) from your salary. So, you both pay a part. The amount deducted is shown on your payslip. You receive the accrued pension from the moment you reach your pension age. This old-age pension is in addition to the amount you receive from AOW.
General Old Age Pensions Act, AOW
You accrue a full AOW benefit if you have lived in the Netherlands for the 50 years before your AOW benefit commences. For each year missed, the AOW is reduced by 2%. The AOW age is gradually being increased. You receive your first AOW benefit on the day you reach the AOW age. On the Dutch government's website, you can find more information and check when you are entitled to AOW.
Survivor's pension within catering
A survivor's pension ensures that your partner and children are not left without support if you Card away. In the basic pension scheme for hospitality and catering, this is not arranged as standard. It is possible to insure yourself for a survivor's pension with the Pension Fund for Hospitality & Catering. But be aware, this can only be done at certain times. On the PH&C website, you can find more information about the survivor's pension.
De Horecabond contributes to your pension
Pension is an important theme for us. Therefore, on behalf of De Horecabond, three board members are part of the board of the Pension Fund for Hospitality & Catering. They do the following, among other things:
- Direct the administrative and financial management of the pension fund;
- The strategy of the pension fund;
- Supervise the correct implementation of the policy and adjust statutes/regulations when necessary;
- Execute the pension schemes by the implementing organisation;
Additionally, we are with employees and retirees in the accountability body of the Pension Fund for Hospitality & Catering.
Pension age in hospitality & catering to 68 years
In the basic pension scheme for hospitality and catering, the standard pension age is 68 years. If you retire in catering, you can more or less decide for yourself by making the right choices. Do you want to retire earlier, later, or partially? That is possible, but it will affect the amount you receive. You can find more information about this on the PH&C website.
The new pension scheme
The Future of Pensions Act came into effect on 1 July 2023. The Pension Fund for Hospitality & Catering will implement the new pension scheme on 1 January 2026. Employers and employee organisations (KHN, De Horecabond, CNV, Veneca, and de Unie) have made agreements on what the new scheme will look like. The wishes and characteristics of the sector have been taken into account.
The new pension scheme applies to everyone, whether you are building up a pension, have built one up, or are already retired. There will also be insurance arranged for your partner and/or children in the event of your death. What stays the same and what changes? You can read more information on the PH&C website or read everything in the PH&C magazine.
With the new pension scheme, new terms have been introduced. What does 'Invaren' mean, for example? But existing pension terms can also sometimes be quite complex. Find more information here.
Webinar for retirees on the new pension scheme
PH&C organised a webinar in the autumn of 2025 about the new scheme starting in 2026. It explained how pensions can increase faster, but also decrease in the new scheme. And how the risks of potential decreases are minimised as much as possible. It was also explained that in the new scheme, the pension payment is determined annually. Watch the webinar replay.
Your online environment at Pension Fund hospitality & Catering
On mijnphenc.nl you will find all the information about your pension. Log in with your DigiD and always see your Updates pension status and other information about your pension and the choices you can make, such as additional pension accrual and survivor's pension.
Early Retirement Scheme (RVU)
CLA parties decided at the end of 2025 to establish a new RVU scheme. An important condition in line with the national agreement between the cabinet and social partners on 18 October 2024 (‘Healthy towards retirement’) is that an employee performs a ‘heavy occupation’. Part of the agreements is also that an independent third party (TNO) validates the agreement made. The board of SUCON II is currently working on the details of the new RVU scheme at the request of social partners. Various matters need to be worked out for this, such as determining what a ‘heavy occupation’ is, and therefore we ask for your patience.
Until the exact content of the new scheme is known, no new applications will be processed. It is expected that it will be possible to submit a new application by 1 May 2026 at the latest. As soon as more is known about the RVU scheme, you can read about it on the website.
Generation Pact Scheme
Good news! The generation pact scheme will be extended in Part A and Part B by one year until 31 December 2026.
In the context of sustainable employability, a vitality scheme has been developed, known as the generation pact scheme. This scheme allows an (older) employee to work shorter hours for a certain percentage of the original salary and original pension accrual. This enables employees to work 80% of their original working hours for a maximum of 5 years, at 92.5% of their salary. Pension accrual is calculated on 92.5% of the salary. The percentages for employees in inflight are 80%-95%-indicative 95%. In 2026, the scheme for inflight remains unchanged. CLA parties have investigated adjusting the scheme for inflight, but this proved legally impossible.
If during the term of the CLA catering (1 January 2026 to 31 December 2026) you qualify for senior days (reduction of working hours, article 22) and decide to switch from Part A to Part B, you will have the option to choose between retaining senior days or making use of the generation pact scheme. You must make this choice by 31 December 2026.
From 1 April 2024, all employees working for an employer covered by inflight catering can make use of the generation pact scheme.
Check the CLA catering for the conditions of the generation pact regulation that apply to you.
Frequently asked questions about pensions in catering
Is a pension mandatory in catering?
If you work in hospitality and catering and are over 18 years old, your pension is built up through your employer. You do not need to register for this yourself, as it is automatically arranged through your employer.
How does the payout work for pensions in catering?
The old-age pension is a gross amount, meaning you still need to pay tax on it. The pension fund automatically withholds the tax and pays it to the Tax and Customs Administration. The amount of tax depends on your personal situation. You may therefore need to pay additional tax. For more information, visit the website of Pensioenfonds hospitality en Catering.
Pension in catering, from what age?
Within the hospitality and catering sector, you typically retire at the age of 68. It is possible to retire up to five years before or after the retirement age. However, this does affect the amount of pension you will receive.
From what age does pension accrual start in catering?
Are you employed by a hospitality or catering company and over 18 years old? Then you automatically accrue a pension.
How much pension contribution is in the catering CLA?
The catering CLA does not mention anything about the pension or the pension premium. The rules regarding the pension in catering are announced in a separate agreement. Currently, the pension premium percentage is 16.8%. On the website of Pensioenfonds hospitality & Catering you will find all the information.
How much pension would I receive in catering?
The amount of pension varies per person and situation. To get a better understanding of your catering pension, it is best to contact Pensioenfonds hospitality & Catering or log in to your personal account.