Welcome to APS, the pension fund for civil servants, employees of a number of institutions in the education sector and employees of institutions that are affiliated with the government. On this website you will find information about the contents of the pension plans, choices you can make in the plan and events in your life and work that impact your pension.
Do you have any questions? Please contact us. We will be pleased to help you.
Are you going to work with the government, with a number of institutions in the education sector or with an institution affiliated with the government? Then you will accrue pension with APS.
Your employer must register you as a participant or a prospective participant. You must first be minimally employed for six months and you must at least be 25 years old to become a participant of APS. Before that time, you are a prospective participant. If you are a trainee with an employer affiliated with APS, you will not be a participant of the pension plan of APS. When you have been registered, you will receive a prospective participant letter if you are a prospective participant or an intreebericht (entry statement) via your employer. Please check thoroughly if the information on this intreebericht is correct.
Do you want to know what the pension plan entails? Please visit our Type of Pensions page.
Certain events in your life and career have influence on your pension. It is good to know what this influence is. Please click on Your situation changes.
PLEASE TAKE NOTE: The pension plan of APS is probably going to change in 2019. The social partners reached an agreement about this in 2017. The changes still have to be approved by Parliament.
Here you can find frequently asked questions for Newcomers at APS. Just click the questions below to expand for the answers
If all goes well you will receive an intreebericht (entry statement) from APS via your employer. If you do not know for sure if you have been registered as a participant, please ask your employer. You can find more information under Register new participants.
Your employer pays by far the greater part of the pension contribution. But you also pay part of the contribution. You can find more information under What do you pay for your pension?
The pension plan of APS consists of several parts. Please look under What do you receive in our pension plan? You will find a description there of the main outlines of the different parts. You cannot derive any rights from the texts on this website. You can only derive rights from the Pensioenlandsverordening Overheidsdienaren (national ordinance pension civil servants), which contains all the details of the pension plan of APS.
That is possible. You must apply for this within two years after the start of your participation in APS.
It is possible that your pension will be cut if the financial position of APS drops below the limit required by the Central Bank of Curacao and Sint Maarten. However, it is almost impossible that you should lose your entire pension. APS is under strict supervision of the Central Bank and the Ministry of Finance. If the financial position drops below the required limit, other recovery measures will first be taken such as an increase of the pension contribution or a reduction or suspension of the indexation. A pension cut is only considered if other recovery measures will no longer bring the desired recovery.
Yes, that is important. If you get married, your husband/wife is entitled to a widow(er)’s pension. You will find more information under Marriage.
If you have a child, it is good to know that you underage children are entitled to an orphan’s pension. You will find more information under Birth.
You can inform APS of your married or the birth of a child via the amendment and correction form with which you report changes in your personal situation.
