Your retirement is approaching

Below you can read how to apply for your pension. For more information about the choices available to you, please visit this page.

What has been arranged

In principle, your pension starts when you reach age 68. However, you can choose to start receiving your pension earlier. In practice, many participants choose to bring forward their pension commencement date to their State Pension (AOW) age, as this is usually when their employment with HEINEKEN ends.

If you choose to retire earlier, your pension benefit will be lower. This is because you will have less time to build up pension and your pension is expected to be paid for a longer period.

Your pension can only commence on the first day of a month (following your state pension age).

State Pension (AOW) age

The State Pension age remains 67 until 2027. After that, it will increase to 67 years and three months. The Dutch government may decide to further increase the State Pension age in the future.

You can find your expected State Pension age on the website of the Social Insurance Bank.

Applying for your pension

Approximately six months before you reach your State Pension age, you will receive a letter from us. This letter will help you explore your pension options and will invite you to log in to My Pension (using DigiD). There, you can use the Pension Planner. The Pension Planner allows you to see the choices available to you and their impact on your pension.

Three months later, you will receive a second letter asking you to confirm your pension choices. You can do this using the pension application form that becomes available when you click the 'Summary' button in the Pension Planner.

We kindly ask you to return this form as soon as possible, but no later than two months before your desired pension commencement date, by emailing it to pensioenfonds@heineken.nl. Please note: if you have a partner, your partner must also sign the form.

Approximately one month before your pension starts, you will receive a letter showing an estimate of your pension amounts. These amounts are estimates because the investment returns achieved by the pension fund up to your retirement date are still included in the calculation of your pension. As investment returns can be positive or negative, your final pension amount may be higher or lower than the estimate.

Even if you do not wish to start your pension yet, you can still use the Pension Planner in My Pension to calculate and explore your future pension options.

What do you need to do?

• Explore your pension options in time using the Pension Planner in My Pension.

• If you would like to stop working before reaching your State Pension age, please contact us at least three months in advance to discuss the available options.

• Click here for an explanation of the terms you may encounter when retiring and for a step-by-step guide to applying for (early) retirement.

• Return the pension application form generated by the Pension Planner to pensioenfonds@heineken.nl in time.

Click here to go to My Pension

Where can you find more information?

You can find information about your pension and projected pension amounts in My Pension and on your Uniform Pension Statement (UPO).

For an overview of all your pension entitlements in the Netherlands, please visit www.mijnpensioenoverzicht.nl (log in using DigiD).