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 (AOWpension). 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.
Tax and national insurance contributions for the AOW and Anw schemes
You pay 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 you live or work in the Netherlands, you build up rights to 2% of the full AOW pension. Your AOW pension becomes payable when you reach your AOW pension age. If you work in the Netherlands, you will normally also build up rights to a company pension through your employer.
The Sociale Verzekeringsbank (SVB) will pay your AOW pension, regardless of where you live. You can apply to the pension service of your municipality for an AOW pension. You should claim your AOW pension around 12 months before you reach the AOW pension age.
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 the Anw survivor benefit scheme. However, you can take out voluntary insurance under these schemes.