Are your work circumstances changing? Read more on our website https://www.dowpensioen.nl/werknemer/verandert-uw-situatie/werk/ (in Dutch)
Working less or taking leave
If you are going to start working fewer hours, whether temporarily or permanently, this often affects your pension. By working fewer hours, you receive less salary and accrue less pension capital. This means the pension you accrue might not be enough.
How much less you actually work will determine what your pension will be.
Retiring early
If you have not yet reached retirement age but stop working, this will always affect your pension. You will accrue less pension or you will stop building it up completely. If you leave your job, you will no longer accrue a pension with us. The pension you have accrued until that point will remain with us. You can get an up-to-date pension statement every year online by downloading it from the secure environment on this website: Mijn Pensioencijfers (My Pension Figures).
New job
If you start working for yourself or elsewhere, then your pension accrual with us will stop.
What happens to your pension then depends on the amount of pension accrued until the time you leave. This amount is shown on the pension statement that you receive when you leave the company. You can also log in to the secure environment Mijn Pensioencijfers (My Pension Figures) or the Dutch national pension website www.mijnpensioenoverzicht.nl for an up-to-date statement of your pension.
About to retire
When you are coming up to retirement, you’ll have some big choices to make about your pension. You can retire on the agreed date, but you may also retire earlier or in part earlier. You can also choose the amount of your pension. Find out more on our website: www.dowpensioen.nl/bijnametpensioen
Retiring
Once you have retired and stop working, you will not accrue a pension any longer. However, you will receive:
a retirement pension payment every month;
- a bridging pension up to your state pension age;
- a state pension payment every month from the government from a certain age.
If you have arranged for a supplementary pension, you will also receive payments from the bank, insurer, or other provider you arranged this through.
Retiring will also affect what your partner and children receive if you die. You can read more about this on our website.