Part-time Pension in Tilburg
Part-time pension offers Tilburg employees the opportunity to work fewer hours from a certain age while drawing a portion of their pension. This allows you to combine salary from employment with pension payments, ideal for a gradual transition to full retirement. For many Tilburg residents working in sectors like industry, healthcare, or for the Municipality of Tilburg, it's a popular way to ease into retirement without financial sacrifice.
Why part-time pension for Tilburg residents?
More and more Tilburgers are opting for a flexible wind-down to retirement. With part-time pension, you can halve your working week – from 40 to 20 hours, for example – and receive pension for the hours not worked. This provides extra free time and financial stability. It fits seamlessly with our guide on Stopping Work Early, perfect for those in Tilburg who want to enjoy life.
Legal basis for part-time pension
This scheme is enshrined in the Pension Act (Pw), particularly Article 24 Pw for flexible payouts and Articles 80 et seq. Pw for implementation by funds or insurers. Pension providers in Tilburg may offer it if stipulated in the collective labour agreement (CLA) or pension regulations. For civil servants at the Municipality of Tilburg, it applies via ABP. The Work and Security Act and employment law play a role in hour reductions. Note: since 1 January 2023, the AOW age depends on life expectancy, affecting start dates (see AOW Age).
Conditions for part-time pension in Tilburg
To qualify, these requirements apply:
- Age: Usually from age 55 or 60, or 5 years before AOW.
- Pension scheme: Available via employer or fund, not standard for everyone.
- Employment: Continues, but with reduced hours (minimum 1 day per week).
- Employer consent: Required, unless covered by CLA.
- Health: No medical exam needed; age discrimination is prohibited (Equal Treatment Act).
Check specifics with your provider or the Legal Aid Office Tilburg for local advice.
How to apply for part-time pension in Tilburg?
Follow these steps:
- Gather information: Review your pension overview on mijnpensioenoverzicht.nl.
- Consult employer: Discuss hour reduction at least 3 months in advance.
- Submit application: File with pension fund and employer using the correct form.
- Approval: Employer decides within 1 month; pension follows.
- Update contract: New part-time contract with adjusted salary.
If in doubt: the Legal Aid Office Tilburg offers free help with your application.
Rights and obligations under part-time pension
Rights:
- Pro rata pension for hours not worked.
- Continued accrual for hours worked.
- Protection against dismissal until pension date.
Obligations:
- Work the agreed hours.
- Pension is taxable.
- Possibly reduced partner benefits accrual.
Stopping part-time pension? Return to full-time possible, but pension drawn cannot be reversed.
Real-life examples of part-time pension in Tilburg
Take Jan (58), employee at a Tilburg metal company (CLA from age 57). He switches to 20 hours: €2,000 net salary + €1,500 pension = €3,500 total, versus €4,000 full-time. Gain: much more free time for Spoorzone walks.
Maria (62) at the Municipality of Tilburg (ABP): 50% part-time pension. AOW later, but continues building. Downside: lower future accrual.
Comparison: Full-time vs. part-time pension
| Aspect | Full-time (40 hours) | Part-time Pension (20 hours) |
|---|---|---|
| Income | €4,000 net | €2,000 salary + €1,500 pension = €3,500 |
| Pension accrual | Full | 50% on hours worked |
| Free time | Standard | 50% more |
| AOW impact | None | No direct |
| WW rights | Normal | Limited by pension |
Frequently asked questions about part-time pension
Can every Tilburg resident get part-time pension?
No, it depends on CLA or regulations. Not available everywhere. Check mijnpensioenoverzicht.nl or the Legal Aid Office Tilburg.
Difference from part-time AOW?
Part-time pension is employer pension. Part-time AOW starts at AOW age with pro rata state pension alongside work.
Effect on unemployment benefits (WW) if dismissed?
Pension counts as income and limits WW (Article 23 WW), sometimes as culpable unemployment.
Repayment upon death?
No, but survivors' pension may be lower.
Tips for part-time pension in Tilburg
- Calculate it: Use your fund's tool for net effect.
- Seek advice: Talk to an expert or the Legal Aid Office Tilburg about tax (see Pension Advice).
- Involve partner: Review impact on joint pension.
- Document everything: Put it all in writing in the contract.
- Consider alternatives: Such as early retirement schemes (RVU) or local options via Municipality of Tilburg.