Close to retirement
Choices for your new pension
Are you counting down the days until you can stop working? Or are you not thinking about stopping at all? Your pension is getting a little closer anyway. That is why it is good to know which choices you have.
Choice 1: retire earlier or later
You choose when your pension starts. This can be at the same time as your AOW, earlier or later. Earlier is possible from 10 years before you reach AOW age. Later is possible up to 5 years after your AOW has started. Working fewer hours and partly retiring is also an option.
Choice 2: more pension for you or pension for your partner
You have a pension for yourself and a partner’s pension if you die. You can choose to exchange the partner’s pension for a higher retirement pension for yourself. Your partner must agree.
Choice 3: more pension first, then less (or the other way around)
You can choose to receive a higher pension in the first years and a lower pension later. Or the other way around. Would you prefer the same amount every month? That is also possible.
A lump sum is not possible yet
In the future, you may be able to take part of your pension as a lump sum when you retire. It is not yet clear when this option will be available. The Senate still needs to approve the law. The start date has already been postponed several times.
Calculate your pension
You can easily do this with the pension planner at mijnpgbpensioen.nl.
Apply for your pension
About 6 months before your AOW starts, you will receive a letter. This letter explains how to apply for your pension.
Do you want to retire on or after 1 January 2027?
This year, you can only calculate and apply for your pension under the current rules. Later in 2027, you will receive a new calculation of your pension under the new rules.
We are happy to help you
Applying for your pension can feel stressful. This is especially true with the new pension. We are happy to help you make choices that suit you best. You can call us on 020 541 82 00 or email ks@pensioenfondspgb.nl to make an appointment for a personal meeting. Please let us know if you want to (video) call us or visit us. We will be happy to make an appointment with you.