Partner Pension upon Early Retirement in Delft

In Delft, where many TU Delft employees and knowledge workers are considering early retirement, partner pension rights decrease significantly upon early retirement, with lasting fiscal impact. Standard accrual is 60-70% partner pension; early retirement reduces this by approximately 5% per year earlier. Tax-wise, payouts fall into box 1 of the survivor, with possible inheritance tax. Local tip for Delft residents: supplement via a survivors' pension insurance with regional advisors such as in the center of Delft, or save tax-efficiently in box 3. From 2025, everything changes with the Future Pensions Act, relevant for Pensioenfonds ABP users at the TU. Example: with 3 years early retirement, your partner loses €300 net per month for life – crucial for families near the TU campus. Check your policy via local pension counters in Delft and calculate with tools from the pension fund. Choose risk coverage with flexible pension, tailored to Delft lifestyle.