Are you considering stopping work earlier than the AOW age? This is possible, but you must arrange the financial side yourself. Discover your options in Leiden.
Early Retirement
The standard pension age is linked to the AOW age. You can stop earlier, but take the following into account:
- Your AOW benefit only starts at the statutory AOW age
- If you stop earlier, you will receive less pension
- You must bridge the period until your AOW yourself financially
Options for Stopping Early
| Option | Explanation |
|---|---|
| Early Pension | Have your pension paid out earlier, with a lower monthly benefit |
| Part-Time Pension | Work fewer hours and draw partial pension |
| Use Savings | Draw on your own reserves |
| RVU Scheme | A special scheme via your employer for early exit |
Starting Your Pension Earlier
Often, you can start your employer's pension up to 5 years earlier. This does have consequences:
- Your monthly pension benefit will be lower
- Guideline: approximately 6-8% less per year you stop earlier
- This effect applies for the rest of your life
What is the RVU Scheme?
The RVU (Early Exit Scheme) allows employers to let older employees stop earlier without high taxes:
- For employees within 3 years before the AOW age
- Employer can make a tax-free benefit up to a certain maximum
- Maximum €2,182 gross per month (as of 2024)
- This scheme is valid until the end of 2026
Frequently Asked Questions About Early Retirement
How much money do I need if I want to stop early?
Determine your monthly expenses and multiply by the months until your AOW age. Take extra costs and inflation into account.
Is it possible to receive AOW earlier?
No, the AOW age is fixed and cannot be brought forward.
What does part-time pension entail?
With part-time pension, you work less and compensate the income loss with part of your pension benefit.
Legal Support in Leiden
Do you have questions about your rights or schemes regarding early retirement? Contact the Juridisch Loket Leiden at Stationsweg 46 for free advice. For legal disputes, you can go to the Rechtbank Den Haag, Leiden location.