Would you like to work fewer hours? Then take a moment to think about your pension.

If you reduce your working hours or take unpaid leave (for example for a sabbatical, study or care), this affects your pension. Not only for you, but also for your partner and children.

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What changes? What can you do? Reducing your hours Pension planner

What changes when you work fewer hours?

👉 You accrue less pension, because it is calculated based on your salary.

👉 Your partner’s pension and orphan’s pension (if you pass away) will also be lower.

👉If you can no longer work, your disability pension will be lower.

👉 Your state pension (AOW) stays the same – it does not depend on your working hours.

What can you do?

✅ Log in to My PDN Pension and see what working fewer hours means for your pension and, if applicable, for your partner and children.

âś… Consider whether you want or need to arrange something extra for yourself or your partner/children.

âś… Carefully consider about the balance between more free time and the financial consequences.

That way, you know exactly where you stand – now and later.

Reducing your hours: advantages and disadvantages

Advantages

✅ More time for yourself, hobbies, family

✅ Less stress, better work–life balance.

✅ Possibly more entitlement to income-dependent government support.

Disadvantages

❌ Lower income

❌ Less pension later

❌ Lower partner’s pension and orphan’s pension

❌ Lower disability pension

Would you like to know how your choices affect your pension income?

Log in to My PDN Pension and check the pension planner.

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Unsure about your options?

Don’t hesitate to contact our Pension Desk. They can help you get everything clear so you can make the choice that best suits you.

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