Options upon retirement
You have various options when you retire. The choices you make affect your pension. Do you have any questions? We are happy to help.
- Log in with your DigiD en go to the pension planner.
- Answer some questions to see how much pension you will get.
- Try out different ages.
- When you are ready you can apply for pension in the pension planner.
Want to know more?
By default, your pension starts when your reach your AOW pension age. However, you choose when you actually retire. You can retire early or later.
You can also take partial retirement and carry on working part-time. You can take partial retirement from the age of 55.
Find out more about partial retirement
You can receive a higher pension at first. This means that your pension will become lower afterwards (the rest of your life). Applying for a temporarily higher pension can be of interest if you expect higher costs in the beginning. You should, however, take into account that prices can rise over time (inflation). And later on you can also be faced with unexpected costs, such as healthcare expenses.
In this video pension consultant Rob van der Wal explains how it works:
You can replace your partner pension with additional pension for yourself. This may be a good idea if your partner has a good income of their own. Note: your partner will receive less or no partner pension upon your death. If you do not have a partner, we will automatically replace the partner pension for you. This means that your pension will become higher.
You can also replace part of your pension with additional partner pension, for example if you have a younger partner or if your partner has no income or a small income.
Think carefully in advance about how much you and your partner (upon your death) will need to make ends meet.
Is your total pension less than €594.89 gross per year? Then you can buy off your pension when you retire. You will then no longer receive a monthly pension from PME.
Your pension is subject to tax (income tax). You can ask us to apply payroll tax reduction (loonheffingskorting) to your pension. When you apply for your pension with us, you can make this choice.
First check out which option fits your situation best.