BBZ - Will you get a pension from the Netherlands?

Living in Belgium and working in the Netherlands

If you are employed in the Netherlands (or if you live in the Netherlands and do not work in another country) you will build up rights to a Dutch old age pension (AOW pension). You will also be insured under the Dutch survivor benefit scheme (Anw). If you pass away, your partner can claim a survivor benefit, and your minor children could qualify for a dependent child allowance or orphan's benefit.

Wage tax includes contributions for the AOW and Anw schemes

You pay wage tax on your salary in the Netherlands. This includes contributions for AOW pension and Anw survivor benefit.

Calculation and payment of your AOW pension

For every year in which you work (or live) in the Netherlands, you build up 2% of the full AOW pension. Your AOW pension will be paid as from the month of your 65th birthday. In many cases, you will also build up rights to a company pension through your employer.

Your AOW pension will be paid by the Social Insurance Bank (SVB), regardless of where you live. You can apply for an AOW pension to the pension service of your municipality. We would advise you to submit a claim around 1 year before your 65th birthday.

Belgian old age pension (rustpensioen) and AOW pension

If you have also worked in Belgium, you will get a Dutch pension and a Belgian pension.

If you live in Belgium and work in the Netherlands as a frontier worker, you will build up rights to a supplementary Belgian frontier worker pension in addition to your AOW pension, even without working in Belgium.

Living in Belgium and receiving a pension or benefit from the Netherlands

If you live in Belgium and receive a pension or benefit from the Netherlands, you will no longer be insured under the AOW pension scheme or Anw survivor benefit scheme. However, you can take out voluntary insurance under these schemes.