AOW pension
Other pensions
The AOW is a basic state pension. Apart from the AOW pension, you can build up rights to supplementary pensions through employers or private pension schemes.
Pension through your employer
If you are employed, you will probably be building up a company pension through your employer. Your employer, and you as well, in most cases, will pay a monthly contribution into a pension fund. When you retire, the pension fund will pay you a pension. Your employer can tell you whether you are building up a pension and if so, how much you can expect to receive. You can also view details of your pensions at the website mijnpensioenoverzicht.nl (only available in Dutch).
AOW deductible
Your pension fund takes account of the fact that you will receive an AOW pension as from the age of 65. You will therefore not build up pension rights on your whole salary. The part of your salary on which you do not pay contributions is known as the AOW deductible. The amount of the AOW deductible differs between pension schemes. For more information, contact your employer or your pension fund.
Pension through previous employers
If you have previously worked for other employers, you will probably have built up pension rights under different funds. For an overall picture of your pension rights, visit the site mijnpensioenoverzicht.nl (only available in Dutch) or contact the pension funds concerned.
Pension from outside the Netherlands
If you have lived or worked outside the Netherlands, and you were not working for a Netherlands-based employer at the time, you may have built up pension rights outside the Netherlands.
When we process your AOW claim, we can forward your claim for a non-Dutch state pension at the same time, provided it is from one of the following countries:
- Member states of the EU (European Union) or the EEA (European Economic Area)
- Countries with which the Netherlands has concluded a social security agreement
If you have lived or worked in a country not mentioned above, you must contact the pension institution in that country yourself. If you have built up a company or a private pension outside the Netherlands, you must contact your former employer or the the pension fund concerned.