Questions if you are about to retire

Are you about to retire? Read the answers to frequently asked questions about the new pension scheme:

How much pension will I receive in the future?

You will receive a message from us at the end of 2025. This contains a provisional calculation of your expected pension in the new pension scheme. You will receive the final calculation from us in 2026.

On My StiPP Pension you can find out how much pension you have accrued with StiPP. You can use this money to purchase a periodic benefit when you retire.

How can I apply for my pension?

You will receive a letter from us six months before your state pension date. This letter comes with an application form that you can fill out and send to us. You can also find the letter on My StiPP Pension under My Documents. You can apply for your pension online on My StiPP Pension. Do you want to start your pension earlier than the age of 67? Then apply for your pension at least six months before the commencement date using the form 'apply for early retirement'. Do you want your pension to start later? You can postpone your pension payment until five years after the state pension age. You must declare this to StiPP no later than three months before the state pension age.

What happens if I become ill or incapacitated?

Anyone who accrues pension with StiPP and meets the conditions for non-contributory continuation in the event of incapacity for work can continue to accrue pension in the new pension scheme for the part that they are incapacitated for work. This is called non-contributory continuation of pension accrual in connection with incapacity for work. StiPP will then take over the payment of the premium.

What happens if I die?

If you die while accruing pension with StiPP, your partner will receive a lifetime benefit. The amount of this benefit is a percentage of the average last-earned salary over 12 months. The social partners expect this percentage to be at least 30%. The final percentage will be determined by 1 October 2025.

If you die while accruing pension with StiPP, your children will receive benefits until they reach the age of 25. The amount of this benefit is a percentage of the average last-earned salary over 12 months. This percentage shall be determined by 1 October 2025 at the latest.

I have also accrued pension with another fund. What happens to them?

Your pension will remain there. Ask your other pension fund what the new pension scheme looks like there. Would you like to transfer your other pension to StiPP? Then ask for a value transfer. Is your accrued pension lower than the surrender limit? In that case, pension administrators can choose to transfer this pension automatically. Is your accrued pension above the surrender limit? Then you can choose whether you want to transfer your pension. More information can be found on our value transfer page.

Do I need to do anything now for the new pension scheme?

No, you don't have to do anything. StiPP will keep you informed of all the news about the new pension scheme in the near future. You will receive a message from us at the end of 2025. This contains a provisional calculation of your expected pension assets in the new pension scheme. You will receive the final calculation from us in 2026.

On mijnpensioenoverzicht.nl , you can already see how much pension you have accrued through your employer so far. And how much AOW you will receive. This way, you know what you are expected to get when you retire.