I received the pension documents. I have paid for 379 months by now.
We can choose the starting date of receiving pension between 60 and 75 years old. The later starting, the more receiving. At 70 years old it would be 42% more than at 65 years old.
If we choose from 60 years old. it would be about 30% less than 65 years old.
Every one month later, 0.7% will be added.
If we start receiving at 65 years old, there are still 24.63 years to live if we could live up to the average life expectancy.
If there is still income at the age of 65, we could postpone the starting date later to receive more.
In any case, pension is very limited.
We need to think the way to survive.
What do you do to earn enough money?
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