You are not obliged to retire at the recommended age, but it does affect the earliest age at which you can start drawing your income pension and premium pensions, as well as when you become entitled to a guarantee pension and housing supplement.

For 2026 to 2031, the recommended retirement age is 67. This means that from 2026, the national public pension can be claimed from the age of 64 at the earliest (some transitional rules may apply).

The forecast is that the recommended age will be 68 from 2032, which means it will first be possible to draw your national public pension from the age of 65 (three years before the recommended age).

You can read more about the recommended retirement age at the Swedish Pensions Agency. External link, opens in new window.

National public (state) pension

You apply for your national public pension via the Swedish Pensions Agency. External link, opens in new window.

Occupational pension

Your occupational pension has several components; to draw on these you need to apply for them. None of them start to be paid automatically.

Defined-benefit pension

When you wish to retire and draw on your defined-benefit pension, you must contact the National Government Employee Pensions Board External link, opens in new window.. They will send you a form for “Uttag av förmånsbestämd pension” (drawing on your defined-benefit pension). You will also receive a copy of your employment history that you must sign.
Send both documents to HR /your payroll administrator at least 4 months before you wish to retire.
Your payroll administrator signs the form and sends it to the National Government Employee Pensions Board for processing and payment.

Ending your employment

You can also choose to terminate your employment. Do this using the form “Begäran om att anställning ska upphöra” (request to terminate employment – see below) and check the box for retirement as your reason for ending your employment.
The form must be registered and signed by your manager.

• Read what partial retirement entails and how it affects your pension on the National Government Employee Pensions Board’s website. Reduced working hours may result in lower contributions to your national public pension
• Talk to your manager soon after you start thinking about partial retirement. This makes it easier for them to plan staffing and activities in a sustainable way.
• Have you been covered by a collective agreement pension scheme for at least ten years? Look at your pension statement from the Swedish Pensions Agency External link, opens in new window. to see whether you have the necessary time.
• Submit your application well in advance, at least six months before you wish your partial retirement to take effect.

• Start by emailing registrator@sh.se to get a registration number. Say that you wish to submit an application for partial retirement and provide your name.
• Complete the “Ansökan om delpension” (application for partial retirement) form, see below.
• Forward the form to your manager.

•  The employer will make an individual assessment of your application, taking into account the organisation’s needs, financial situation and other planning considerations.
• Your application may be approved, partially approved or rejected. (Partial retirement is not a right.)
• Your manager will get back to you. It could take up to six months for you to receive a reply.

If your application is approved:

• You and your manager should plan your working hours together for your partial retirement.

If your application is rejected:

• You can submit a new application after one year, unless your manager says otherwise.

Managers and other employees are welcome to contact them.

Email: kundservice@spv.se

Payment questions: 020-65 00 65
Other questions about occupational pensions: 020-51 50 40