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WELFARE PROVISIONS

AOW (General old age pension)




Financing Body      

Government

Beneficiaries

As a rule, everyone who has reached the AOW pension age and lives in or has lived in the Netherlands is entitled to a pension. It makes no difference in which country you live at that time.

Types of workers who are not entitled to the unemployment benefit:

  • If you work outside the Netherlands and you do not have a Dutch secondment certificate.
  • If you work outside the Netherlands for an employer based outside the Netherlands in a country that is not an EU Member State or a country with which the Netherlands has a social security agreement.
  • If you work as a civil servant for another country's embassy or consulate, or for an international organization such as NATO or the European Union. Your family members will only be insured if they work in the Netherlands or receive a Dutch social security benefit.
  • If you work for the government of another country or the government of Curaçao, Aruba of Sint Maarten. Your family members will only be insured if they work in the Netherlands or receive a Dutch social security benefit.
  • If you work in international transport for a non-Dutch employer, transporting persons or goods mainly outside the Netherlands. Different rules apply within the EU. See working in two or more countries.
  • If you work in the Netherlands and you have a non-Dutch secondment certificate.
  • If you are studying in the Netherlands temporarily and are not employed.
  • If you are a family member of a person who works outside the Netherlands and you do not work or receive a Dutch social security benefit (only applies for Wlz insurance).
  • If you receive a non-Dutch social security benefit (only applies for Wlz insurance).
  • If you are a family member of a person who receives a non-Dutch social security benefit and you do not work or receive a Dutch social security benefit yourself (only applies for Wlz insurance).
  • If you are a family member of a person who receives a pension or benefit from an international organization and you do not work or receive a Dutch social security benefit yourself (only applies for Wlz insurance).
Rates of the benefit

For every year that you are insured, you build up rights to 2% of the full AOW pension. The following amounts shown on this page are the full AOW pension amounts, which apply if you have built up AOW pension rights for the maximum period of 50 years.

  • You live on your own (you are single): Monthly amount Gross - € 1,144.72 / Net with tax credit - € 1,081.77 Net without tax credit - € 868.60.
  • You are married or living with a partner (You and your partner both receive an AOW pension – Monthly amount per person): Monthly amount Gross - € 788.81 / Net with tax credit - € 745.43 Net without tax credit - € 598.60.
  • Your partner does not yet receive an AOW pension; you do not receive a supplementary allowance: Monthly amount Gross - € 788.81 / Net with tax credit - € 745.43 Net without tax credit - € 598.60.
  • Your partner does not yet receive an AOW pension; you receive a full supplementary allowance: Monthly amount Gross - € 1,552.14 / Net with tax credit - € 1,372.45 Net without tax credit - € 1,178.11.
Your partner does not yet receive an AOW pension; your supplementary allowance is reduced by 10%: Monthly amount Gross - € 1,475.81 / Net with tax credit - € 1,314.57 Net without tax credit - € 1,120.23.

Duration of benefit

The AOW pension will be paid until the beneficiary dies.

Claim procedures

About five months before people reach their pension age, the Social Security Office will send them a letter about claiming their pension. One cannot submit a claim before receiving this letter. People need to have the following ready when submitting their claim:

  • Bank account number (IBAN)
  • If people have worked outside the Netherlands:
    • Scans of documents showing your periods of work outside the Netherlands and/or a statement of periods of insurance outside the Netherlands.
Application Forms

Automatized

Jurisdiction

Social Security Office

Applicable statutory basis

Algemene Ouderdomswet BWBR0002221

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