Unchanged: four choices

Upon retirement, you’ll have several options to tailor your pension to your needs. For example, you can choose to start your pension earlier than your official retirement age (which is currently 68 years).

Upon retirement—both now and in the new scheme—you will have four choices:

1. When would you like your pension to start?
   You may choose to start your pension before your official retirement age. For you as a former employee that is currently 68 years.
2. Would you like to purchase a bridging pension?
   If you opt for early retirement, you will not yet receive AOW. To financially bridge this period, you may choose to purchase a temporary bridging pension from us.
3. What will your partner receive in the event of your death after retirement?
   At retirement, you have the option to purchase a partner pension of up to 100% of your old-age pension.
4. Would you like to vary the amount of your pension over time?
   You may choose to receive a higher pension initially and a lower amount later—or vice versa. The total value of the pension remains the same; it is simply distributed differently over time. (This option is separate from the three choices above.)

You may have heard about the possibility of receiving a lump-sum payment of up to 10% of your pension. This option is not yet available. The legislation is still pending and is expected to come into effect after our transition date of 1 January 2027, and possibly not until after 1 January 2028.