Before you apply

Your occupational pension consists of three parts. When and how you can take out these parts function a little differently.

The selectable part

Since you have had the opportunity to select which insurance company will manage your money for this part, your money may be with various insurance companies. Contact the insurance company you selected for more information. For most people, their money is with Kåpan Pensions.

This applies in most cases:

  • You can take out your money starting at the age of 61.
  • Your employer will stop paying in money to your selectable part when you turn 65.
  • Once your money has begin being paid out, you cannot change your mind and discontinue the payment.
  • When taking out your money before the age of 65, in certain cases you can take out the money over a shorter period than the rest of your life. Contact your insurance company for more information.
  • When you take out your money starting at age 65 or after age 65, you will receive money every month for as long as you live.

How you apply

Kåpan Tjänste

Kåpan Tjänste pays out from the age of 65 and over five years, if you do not select otherwise. You can choose to take out the money over another period.

The following applies:

  • You can take out your money starting at the age of 61.
  • You must terminate your government employment in order to be able to take out your money before the age of 65.
  • Your employer will stop paying in money to Kåpan Tjänste when you turn 65.
  • If you wish to take out your pension over a period other than five years, you must contact our Customer Service at +46 (0)20-51 50 40 to find out what alternatives are available. Different rules apply before and after age 65.
  • Once your money has begin being paid out, you cannot change your mind and discontinue the payment.

How you apply

Defined benefit retirement pension

You can take out your money starting at the age of 61. There is no upper limit.

The following applies:

  • You must terminate your employment in order to take out money.
  • If you take out your money before age 65, you can choose the amount to take out each month. Keep in mind that the amount you take out before age 65 affects the size of your pension after 65.
  • Your employer will stop paying in money to your defined benefit retirement pension when you turn 65.
  • If you take out your defined benefit retirement pension from age 65 or later, it will be paid out as long as you live. You cannot choose to take your money out over a shorter period.

How you apply

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