The Dutch government believes it to be important for everyone to receive pension. Everyone living or working in the Netherlands will receive AOW (state pension) later on. In addition, you often also accrue pension through your employer. Most employees are covered by a certain industry-wide pension fund. Civil servants (education and the government for example) are covered by ABP, window washers and cleaners are covered by BPF Schoonmaak and bpfBouw is the pension fund for people working in construction. Some professions have their own occupational pension fund specific to those professions (medical specialists, general practitioners and dentists for example). In addition, some companies also have their own staff pension fund. And there are also employers that are not subject to mandation and that have their pension scheme executed by an insurance company.