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Samenvatting pensioenrecht
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Het betreft voorgeschreven literatuur uit de Asser serie over pensioenrecht.
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Samenvatting pensioenrecht1
,Inhoudsopgave
Week 1: introductie pensioenrecht................................................................................................................ 5
Het pensioenstelsel..............................................................................................................................................5
De eerste pijler.................................................................................................................................................5
De tweede pijler...............................................................................................................................................6
De derde pijler.................................................................................................................................................6
Overzicht wetten tweede pijler.......................................................................................................................7
Toekomst van het pensioenstelsel.......................................................................................................................8
Fiscale grenzen.....................................................................................................................................................8
Wet toekomst pensioen (Mvt).............................................................................................................................8
Week 2: de pensioenovereenkomst............................................................................................................. 11
De pensioenwet..................................................................................................................................................11
Vastgestelde of variabele uitkering...............................................................................................................11
Pensioensoorten............................................................................................................................................11
Toeslag...........................................................................................................................................................12
Karakters pensioenovereenkomst......................................................................................................................12
De uitkeringsovereenkomst...........................................................................................................................12
De kapitaalovereenkomst..............................................................................................................................12
De premieovereenkomst...............................................................................................................................13
Basispensioenregeling en vrijwillige pensioenregeling......................................................................................13
Voorwaarden pensioenovereenkomst...............................................................................................................13
Definitie pensioenovereenkomst..................................................................................................................14
Werkgever en werknemer.............................................................................................................................14
Het aangaan van de pensioenovereenkomst.....................................................................................................14
Vormvrij.........................................................................................................................................................14
Afstand...........................................................................................................................................................14
Gelijke behandeling payrolling...........................................................................................................................15
Informatieplicht..................................................................................................................................................15
Medezeggenschap.............................................................................................................................................16
Pensioenreglement.............................................................................................................................................16
Duur en einde van de pensioenovereenkomst...................................................................................................16
Voorgeschreven artikelen uit Wet toekomst pensioenen..................................................................................17
Artikel 10........................................................................................................................................................17
Artikel 10a......................................................................................................................................................17
Artikel 10b......................................................................................................................................................17
Artikel 10c......................................................................................................................................................18
Artikel 17........................................................................................................................................................18
Week 3: verplichte deelneming bedrijfstakpensioen....................................................................................20
Verplichtstelling van deelneming in een bedrijfstakpensioenfonds...................................................................20
Het mededingingsrecht......................................................................................................................................20
Aanvraag verplichtstelling.................................................................................................................................22
Rechtsgevolgen..................................................................................................................................................22
Doorsneepremie............................................................................................................................................23
2
, Handhavingsplicht / informatieplicht............................................................................................................23
Werkingssfeer....................................................................................................................................................23
Hoofdzaak-criterium..........................................................................................................................................24
Werknemer of andere hoedanigheid.................................................................................................................24
Uitzendkrachten.................................................................................................................................................25
Prikbord of platformonderneming.....................................................................................................................25
Paragraaf 9.4 uit memorie van toelichting Wet toekomst Pensioenen.............................................................26
Week 4: uitvoeringsovereenkomst............................................................................................................... 29
Aangaan van de uitvoeringsovereenkomst........................................................................................................29
Onderbrengingsplicht.........................................................................................................................................29
Elementen van de uitvoeringsovereenkomst.....................................................................................................30
Uitvoeringsreglement.........................................................................................................................................30
Partijen bij de overeenkomst..............................................................................................................................31
Keuzevrijheid......................................................................................................................................................32
Driepartijenverhouding......................................................................................................................................32
De begunstigde..................................................................................................................................................33
Derdenbeding................................................................................................................................................33
Verplichtingen werkgever en pensioenuitvoerder.............................................................................................34
Verplichtingen van de werkgever..................................................................................................................34
Verplichtingen pensioenuitvoerder...............................................................................................................34
Verantwoordelijkheidsverdeling...................................................................................................................34
Duur en einde van de uitvoeringsovereenkomst................................................................................................35
Redelijkheid en billijkheid..............................................................................................................................35
Verplichtingen werkgever na einde uitvoeringsovereenkomst....................................................................36
Week 5: Wet toekomst pensioenen.............................................................................................................. 37
Collectieve waardeoverdracht...........................................................................................................................37
Voorwaarden waardeoverdracht..................................................................................................................38
Bezwaarrecht.................................................................................................................................................38
Invaren...........................................................................................................................................................39
Belangrijke artikelen..........................................................................................................................................39
Artikel 83 Pensioenwet..................................................................................................................................39
Artikel 7 Wet gelijke behandeling op grond van leeftijd bij de arbeid..........................................................40
Wet toekomst pensioenen............................................................................................................................41
Week 6: Wijzigingen.................................................................................................................................... 42
Wijziging in de pensioendriehoek......................................................................................................................42
Wijziging van de pensioenovereenkomst bij overeenkomst..............................................................................42
Aanbod en aanvaarding.................................................................................................................................43
Ontvangsttheorie...........................................................................................................................................44
Weigeren.......................................................................................................................................................44
Wijziging van de pensioenovereenkomst door een beroep op een wijzigingsbeding........................................44
Pensioenwijzigingsbeding en de gewezen werknemer.................................................................................45
Clausulering wijzigingsbeding........................................................................................................................45
Vordering en verjaring...................................................................................................................................45
3
, Het premiebetalingsvoorbehoud.......................................................................................................................46
Wijziging pensioenovereenkomst via het pensioenreglement..........................................................................46
Geen wijziging opgebouwde aanspraken..........................................................................................................47
Geen uitgewerkte rechtsverhouding..................................................................................................................47
Week 7: pensioen bij overgang van onderneming.........................................................................................48
Begrip overgang.................................................................................................................................................48
Overnameovereenkomst...............................................................................................................................48
Overgang van onderneming..............................................................................................................................48
Pensioenregeling bij cao....................................................................................................................................49
Uitzonderingen van 664 BW..............................................................................................................................50
Uitzondering 1: 7:664 lid 1 onder A...............................................................................................................50
Uitzondering 2: 7:664 lid 1 onder B...............................................................................................................50
Uitzondering 3: 7:664 lid 1 onder c...............................................................................................................50
Uitzonderingen op de pensioenuitzonderingen............................................................................................50
Vermoeden aanbod pensioenovereenkomst.....................................................................................................51
Schematisch overzicht van overgang van onderneming....................................................................................51
Uitvoering pensioenregeling..............................................................................................................................52
Waardeoverdracht.............................................................................................................................................52
Aandelenoverdracht...........................................................................................................................................52
4
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