Step 1
6 months before your AOW-age: Receipt of the letter with pension options and a request form for your pension.Please note:
Forwarding your pension earlier than 67 years? Request this at least 6 months before the desired pension commencement date.
Net prepension
Were you building up pension with us before 1 January 2015? Then you have built up net prepension.
You will receive this by default between 62 and 67 years. Six months before you turn 62 you will receive a request form for this. You cannot have your net prepension commence before 60 years. Postponement is possible until one month before 67 years.
Read more about your net prepension in the Pension guide
Step 2
Adjust your pension to suit your personal situation. You can forward or postpone your pension. Or you can exchange your partner’s pension for a higher occupational retirement pension. You can also divide your pension by receiving a higher pension and subsequently a lower pension.Read more about pension options
Fill in your options on your request form
Are you not using any of the pension options? Then you choose for pension on 67 years by default. The AOW-age currently is not yet 67 years, but is rising at an increased rate. Calculate your AOW-age on www.svb.nl. If you have DigiD or eIDAS, you can also complete this form digitally. It is faster and easier. Go to My Koopvaardij to make your choice.
Please note:
If you have lived or worked outside the Netherlands, you are likely to have been uninsured during certain periods, and you may get a lower AOW-pension as a result.
Tip: On My Koopvaardij you can calculate the effects of the pension options on your pension yourself.
Step 3
5 months before your AOW-age: You have chosen your pension options and filled them in on your request form. Return the completed request form with all the required attachments to us within one month. An overview of all required attachments may be found on your request form.Please note:
Your pension options are definitive choices. You cannot change them afterwards.
Step 4
Within 20 working days: Receipt of pension request confirmation. You can see on when you will first receive your pension and what the height of your monthly pension is. The monthly payment date of your pension can be found on our website.Yearly Pension Benefit Overview
When you are retired, you will receive a yearly Uniform Pension Overview (UPO) from us. You can find all your pension information in this overview. For example, how much partner’s pension your partner receives when you pass away.
Tip: Are you not yet retired and do you wish to know how much partner’s pension you have built up? Go to My Koopvaardij and view your personal pension situation.
Step 5
By default, your pension commences on 67 years. When you postpone or forward your pension, your pension commences on your chosen pension commencement date.When you retire earlier than 67 years, your pension is lower. You will receive your pension over a longer period of time. When you postpone your retirement, your pension is higher. That is because you will receive your pension over a shorter period. Postponement is possible until 70 years. Your pension buildup does end on 67 years.
Read more about pension options.