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Working after retirement

Many people think of traveling the world when they retire, or spending time with grandchildren. Nevertheless, the number of working retirees has been increasing in recent years. Working after retirement also has many advantages. You keep a rhythm, stay in contact with colleagues and your income increases. There are a few things to keep in mind. Which? Our experts are happy to explain this to you.

Labor contract

Most collective labor agreements state that your contract ends when you reach the state pension age. Is that the case, but would you still like to continue working? Then consult your employer in good time about a new contract. Does your collective labor agreement not state anything about termination of employment at the state pension age? In that case, your existing contract will in principle continue as usual, unless the employer cancels the contract at your state pension age. Your employer can terminate the employment contract more easily once.

Special rules apply from your state pension age. Dismissal does not have to be preventively tested by the UWV or the court, and the notice period is only one month. Did you only enter into the agreement after your state pension age? Then the 'normal' dismissal law applies, with the exception of a number of special conditions. For example, you can indicate to your employer that you want to work more or less hours. Your employer can respond to this, but this is not necessary.

Your rights as an employee

Even if you no longer have to work, you are still entitled to the minimum wage and minimum holiday allowance. Are you getting sick? Then you are entitled to continued payment of wages for a maximum of 13 weeks. Your employer no longer has to pay many contributions from your state pension age. As a result, you are no longer insured against unemployment and incapacity for work. And will you be fired? Then you are not entitled to a transition payment. Because you pay less tax and premiums, you yourself are more profitable and you are also a financially attractive employee for the employer.


You usually receive two benefits from your AOW age: the AOW benefit and the supplementary company pension benefit. The first is a basic pension from the national government, which everyone who has lived and worked in the Netherlands receives. If you have lived or worked abroad, this may affect the amount of your AOW. You will receive a company pension if you have participated in a pension scheme with a pension fund or insurer. Have you accrued pension with multiple employers? Then you may receive several company pensions.

Do you also earn a salary from your AOW age? Then you will continue to receive the AOW and pension benefits. The height remains the same. The AOW benefit starts from your state pension age. You can often postpone your supplementary pension benefit or allow it to start earlier. If you postpone, you will receive a higher benefit later. If you let it start earlier, you will receive a lower monthly pension payment. It differs per insurer or fund for how long you can postpone the pension payment or allow it to start earlier.


From your AOW age you pay a lower tax rate and fewer premiums. This means you have more net of the same gross income. Do you receive a salary, an AOW and a pension benefit? Then pay attention: it is possible that you pay too little tax and that you have to pay extra after your assessment. Complete a provisional assessment to avoid having to make an additional payment. Also make sure that your payroll tax credit is only settled with one benefits agency.


Do you have any questions about this? Feel free to contact us, our experienced professionals are at your service. We are available every working day from 8.00 a.m. to 18.00 p.m., on 0345 851 963 and sc@unie.nl.

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