Welcome to APS!
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.
Good to know for newcomers
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. You must at least be 18 years old to become a participant of APS. If you are a trainee with an employer affiliated with APS or if your employment with APS is shorter than six months, you will not be a participant of the pension plan of APS. When you have been registered, you will receive 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.
Here you can find frequently asked questions for Newcomers at APS. Just click the questions below to expand for the answers
How do I know if I accrue pension with APS?
Normally speaking, 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.
Does my employer pay the contribution for my pension?
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?
To what am I entitled in the pension plan of APS?
The pension plan of APS consists of several parts. They are the senior’s pension, the widow(er)’s pension, the orphan’s pension, the disability pension, the temporary pension if a person goes missing and the bereavement allowance. Under What do you receive in our pension plan? you will find a description 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 AB20, no. 34), which contains all the details of the pension plan of APS.
I have previously accrued pension with another employer. Can I take this pension with me to APS?
Can I lose my pension if APS runs into financial problems?
If the financial position of APS drops below the level laid down in the Pensioenlandsverordening, APS will have to draft a recovery plan. This plan must contain measures to bring the pension fund cover ratio back to a level of more than 100% within five years. This recovery plan must be approved and is evaluated each year by the Central Bank of Curacao and Sint Maarten. If all other recovery measures fail to bring improvement within five years, the pensions may be cut to achieve the required recovery. However, it is almost impossible that you should lose your entire pension.
Is it important for APS to know if I get married or have a child?
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 your underage children are entitled to an orphan’s pension. You will find more information under Birth.
You can inform APS of your marriage or the birth of a child via the amendment and correction form with which you report changes in your personal situation.