Retirement: some look forward to it, others not so much. But you can decide for yourself when you want to retire. You can retire on the agreed date, take your pension earlier, or take semi-retirement. The overview shows you the options you have for the level of your pension.
Options for the level of your pension
- Bridging pension for an additional old-age pension
If you have accrued bridging pension or temporary old-age pension that you will not access before you turn 65, you can choose to convert that pension into supplementary old-age pension starting from age 65.
- Exchanging an old-age pension for bridging pension
State pension (AOW) often starts being paid at a different time from the old-age pension you receive from us. If you are retiring earlier than your state pension age, you can temporarily increase the pension you receive from us until you also receive your state pension. This will prevent you from temporarily having less income.
- Exchanging your partner’s pension for an additional old-age pension;
A partner’s pension is for your partner in the event that you die earlier. Does your partner have a sufficient income or do you not have a partner? Then you can exchange the partner’s pension for an additional old-age pension for yourself.
- Exchanging your old-age pension for an additional partner's pension;
A partner’s pension is for your partner in the event that you die earlier. Does your partner not have a sufficient income? Then you can exchange part of your old-age pension for an additional partner’s pension. Your partner will receive more pension if you die earlier.
- A higher pension first and a reduced pension later;
Do you want to receive a higher old-age pension in the first few years of your retirement? Then you can opt to receive a higher old-age pension for the first five or ten years.
- A reduced pension first and a higher pension later;
Do you want to receive a lower pension in the first few years of your retirement? Then you can opt to receive a lower old-age pension for the first five or ten years. After the period, you will receive a higher old-age pension.
- Rising old-age pension
We do not increase your pension as standard, but you can opt to receive a lower old-age pension at first. In that case, your pension will increase by 2% or 3% each year on 1 January for five to ten years. At the end of that period, your gross annual pension will remain the same for the future.
For more information and the advantages and disadvantages of these options, see the page 'bijna met pensioen'.