The topic of retirement, although it looks far from a young man's perspective, is one of the most important life issues, which should be considered long before the age of 65. What all types of pensions exist, when we exercise the right to a pension and what is the procedure for exercising that right, I will try to explain and approximate with this paper. The greatest focus of work will be on the disability pension acquired after the procedure of expertise of working capacity, during which one of the following assessments can be made: immediate danger of reduction of working capacity, reduction of working capacity with remaining working capacity, partial loss of working capacity or complete loss working ability. I will also look at older terminology: professional incapacity for work and general incapacity for work, and explain how a previously determined disability pension is treated according to older terminology after the enactment of a new law and new terminology. Finally, I will explain the procedure for exercising the right to a disability pension, from submitting a request to the Croatian Pension Insurance Institute, through the procedure of expertise in the Institute for Expertise, Vocational Rehabilitation and Employment of Persons with Disabilities and possibly the Center for Vocational Rehabilitation, before the Administrative Court of the Republic of Croatia. Therefore, the aim of this paper is to explain in one place what types of pensions exist, what is the way of exercising the right to each of them, with special reference to exercising the right to disability pension, the course of determining the ability to work and the estimated period in which an individual can exercise your right to a disability pension.