You have limited possibilities of having your pension paid out to you before you retire. The main criterion is whether you have reached pension payout age, which occurs five years before the old-age pension age.
In case of a pure endowment insurance, it can always be paid out when you reach pension payout age.
As regards capital pension or retirement savings, some of it may be paid out as a lump sum when you reach pension payout age. If you receive part of the capital pension while you are still working, the amount before tax may not exceed your gross salary as stated at the most recent 1 January. Where retirement savings are concerned, the amount may not exceed half of your gross annual salary as stated at the most recent 1 January.
As regards retirement pension in the form of periodic payments (e.g. annuity certain or life annuity), you must – as long as you are in employment – be old enough to receive old-age pension, before you can begin to receive the entire pension. If you work reduced hours and have reached pension payout age, you can choose to have a pro rata share of these pension schemes paid out, corresponding to the reduction of your working hours. This requires, however, that the contributions to your pension scheme have stopped. Read more about this under "Can I stop paying pension contributions?". Just to make sure: the payout can start although you choose to stay in the labour market.
If you do not satisfy these age requirements, you must apply for dispensation for payout, which is only granted in a few cases. Contact your shop steward or union branch if you want to know more about your possibilities.