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Dutch telecoms provider KPN to introduce retirement flexibility

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first_imgThe €10bn pension fund of Dutch telecoms giant KPN said it would offer its participants the option of variable benefits at retirement.The move will allow retirees to avoid having their full pension rights converted into annuities, which have dropped in value in recent years due to low interest rates.In its annual report, the KPN scheme said participants with defined contribution (DC) arrangements would be able to choose between traditional fixed benefits from an annuity or payments that could vary over time.The choice was made possible by new legislation (Wet Verbeterde Premieregelingen) introduced in September 2016 that allowed for continued investment of part of a members’ accrued pension assets after retirement. KPN is one of a small number of schemes to introduce this option of variable benefits.Many pension funds, including the Pensioenfonds PostNL and BpfBOUW, have said they won’t introduce variable pension payments.Under the new legislation, participants in a DC plan have the right to shop around when their pension fund merely offers a single benefit option, which is almost always a fixed payment.As a consequence of few pension funds taking up the new rules, participants who want to continue investing have to turn to insurers, including Aegon, NN, Delta Lloyd and Allianz, which offer variable benefit arrangements.The KPN scheme said its decision was triggered by 8,000 deferred participants of the former pension fund of ICT firm Getronics – taken over by KPN in 2007 – who joined the Pensioenfonds KPN last year.At the Getronics scheme, which liquidated last year, many participants had accrued pension rights under DC arrangements.last_img read more

Seniors add new tool to the lifesaving arsenal with Smart911

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first_imgAddThis Sharing ButtonsShare to FacebookFacebookShare to TwitterTwitterShare to MoreAddThisAlpena, Mich. — Carbon monoxide and smoke detectors, fire alarms, and escape plans are all important tools in keeping yourself as well as friends and family safe.On Thursday, seniors got a refresher on some important safety tips and information. Alpena City Fire Department community risk reduction officer Andy Marceau and 911 director Burt Francisco presented lifesaving tips, so that seniors can be ready, should an emergency arise. Both provided a few useful tools for seniors to protect themselves with. Two of those were carbon monoxide and smoke detectors that seniors can get help with installation by contacting the senior center.The other was a smart 911 app, where you can preload information like photographs, allergies, and other important notes about where you live and who lives there. This helps first responders have a better understanding when responding to a situation. They can look at the information, so they can anticipate an emergency instead of going in with little or no details.“When you call 911, it’s a very chaotic situation, and there is a lot of emotion, and they may not recall everything that they need to tell a dispatcher or emergency responder,” said Francisco. “During a time, a non-emergency time, they can go in and enter their information, which will expedite and make the 911 call more efficient to process with dispatcher.”Smart 911 is free and available in the app form or via website for all Michiganders. It can be extremely helpful in nonverbal communications as well. The technology is four years old and was introduced two years ago. It has seen a large increase in enrollment over the past year. You can fill in your information by visiting the website www.smart911.com.AddThis Sharing ButtonsShare to FacebookFacebookShare to TwitterTwitterShare to MoreAddThis Tags: Alpena City Fire Department, Alpena County 911, Alpena Senior Citizens Center, Carbon Monoxide Detectors, Fire Alarms, First Responders, MICHIGAN, Seniors, Smart 911, Smoke DetectorsContinue ReadingPrevious Woman saves her dog before flames takeover carNext Laugh for a good cause in Oscoda this weekendlast_img read more