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Deferring your pension

Is your pension about to come into payment? Would you like to receive your pension straight away or defer it for a while and continue working? Most pension schemes allow you to defer your pension for up to five years after reaching the statutory retirement age.

Defer your pension or have it come into payment – it is up to you

Your pension will come into payment on the agreed retirement date. However, if you wish, you can opt to have your pension come into payment at a later date. This will largely depend on whether you need the money right now or not. You may decide that you want to continue working and receive your pension when you retire. Or, you might prefer to continue working and receive a pension every month. Another option is to have a part of your pension come into payment on the retirement date so that you only receive a portion of your pension. This means you can work on a part-time basis and defer a portion of your pension.

What do you need to keep in mind when deferring your pension?

  • Does deferring your pension affect the partner’s pension? toon

  • Work out the financial implications of your choice toon

  • Pension deferral and the Dutch Tax and Customs Administration toon

How do you defer your pension?

You will receive a letter and a form from us eight months before your pension comes into payment. You can use the form to inform us of your new retirement date. We ask you to do this as soon as possible. We will need to have received the form one month before your pension comes into payment, at the very latest. If you did not receive a form with your letter, please use the following form: Request to defer or bring forward the retirement date.

Consult an independent adviser

It can be tricky trying to decide whether a specific course of action is advisable in your particular situation. If you require assistance in this decision-making process, please contact an independent adviser. He or she is there to give you customized advice. Please be sure to discuss in advance what your adviser will charge for this service and if any additional services are required and what they entail.

Any other questions? 

Please do not hesitate to contact us if you have any other questions We are available on +31 (0)30 257 44 00 on working days from 8 a.m. to 5:30 p.m. Alternatively, you can complete the contact form. We will be pleased to help you.