Pension from 67 years in equal monthly amounts (default)
Have you not indicated any pension options with Bpf Koopvaardij? Then you automatically choose for equal monthly amounts from 67 years. On My Koopvaardij you may find your pension that you are expected to receive from us from the pension commencement age. Or check your Uniform Pension Overview (UPO).
First a higher and subsequently a lower pension
Maybe you expect to spend more money in the first years of retirement than later in life. Then choosing for a higher monthly pension in the first period is an option. After the chosen period your monthly period will be lower.
Are you not receiving a state pension (AOW) in the first period after retiring? Then this might also be an option up until your state pension age. This way you bridge a period of less income.
Retiring early? Your pension benefit will then become lower because you will receive your pension over a longer period of time. Your state pension (AOW) may also commence later than your forwarded pension. Check the financial consequences carefully.
Retiring later? Your pension benefit will then become higher because we are paying out your pension over a shorter period of time. You can postpone your pension up to 70 years at the latest.
Exchanging occupational retirement- and partner’s pension
Besides occupational retirement pension you have also built up partner’s pension. Do you not have a partner, or does your partner have enough income or pension? Then you may consider exchanging (a part of) the partner’s pension for extra occupational retirement pension.
Do you have a partner? Then a notary public must confirm that your partner agrees with your choice. Your partner will then waive her right to (a part of) the partner’s pension.
Do you wish to receive less occupational retirement yourself in order to ensure that your partner receives a higher partner’s pension when you pass away? A condition is that the new partner’s pension is not more than 70% of your occupational retirement pension.
Note: Per 1 January 2017 the partner’s pension consists out of three parts. The part that you may have built up already until 1 January 2017. The part that you build up in the period of 1 January 2017 up to no later than 67 years. This remains reserved for your partner. The part that is insured on a risk basis. This part expires when you are no longer a member of the pension scheme or if you are retiring. We advise you to consider this when making a choice to exchange your pension.
For more information, do not hesitate to contact our Service Desk.
Are you eligible for net prepension?
Were you a member of the pension scheme in the period of 2006 until 2015? Then you may have also built up net prepension. You can have this pension commence between 62 and 67 years. Six months before you turn 62 we will send you a letter concerning this. On My Koopvaardij you may see how much net prepension you have built up.
Your pension options
Use the request form.
A half year before your state pension age you will receive a letter from us with a request form. You can indicate your pension options on this.