Page ContentYour employee must apply for his/her pension himself/herself. Approximately six months prior to his/her standard retirement date, your employee will receive a letter. This will explain how he / she should apply for his/her pension. Your employees can choose from three optionsWould your employee like to ....1. retire earlier or later?2. have a higher or lower pension for his/her partner?3. have a higher or lower pension temporarily? You must provide information to your employees It’s important for you to provide information to your employees. You can do so by referring them to this page. We will also provide information to your employees. We will do so three (3) months before an employee reaches his/her standard retirement date.