You receive a Dutch pension or benefit
You live in Belgium and you receive one of the following long-term Dutch pensions or benefits
- old age pension (AOW)
- survivor benefit (Anw)
- incapacity benefit (WAO or WIA)
- early retirement pension
You will normally pay tax in Belgium and you will no longer be insured in the Netherlands under:
- the National Act on Exceptional Medical Expenses (AWBZ)
- the old age pension and survivor benefit schemes
You can take out voluntary insurance with the SVB for both AOW old age pension and Anw survivor benefit. You will keep the AOW pension rights that you have built up so far.
Dutch child benefit
Because you live in Belgium, you will no longer be covered under the Dutch child benefit scheme. However, if your partner does not receive any income from Belgium, you will continue to receive Dutch child benefit.
NB: you will not be entitled to Dutch child benefit if you receive a Dutch early retirement pension, e.g. a VUT pension, or a pre-pension from a pension fund.
You are covered under Belgian health insurance. For this, you will have to pay a small contribution to a Belgian health insurance fund. This contribution is known as 'lidgeld'.
The Netherlands will pay the costs of your medical care to Belgium. For this reason, health insurance contributions will be deducted from your pension or benefit in the Netherlands. This is done on behalf of the College voor Zorgverzekeringen (Dutch Health Care Insurance Board, CVZ). The Belgian health insurance fund will reimburse you for your expenses in accordance with the Belgian compulsory health insurance system. For this, you must register with a Belgian health insurance fund using form S1 (which replaces form E121). You can obtain an S1 form from CVZ at www.cvz.nl or by calling them on number +31 (0)10 428 9551. If you receive health care in the Netherlands, the Netherlands will provide reimbursement under the AWBZ scheme.
If you receive a Dutch incapacity benefit (WIA)
You can also take out voluntary old age pension insurance in Belgium. To do so, call the National Pensions Office (Rijksdienst voor Pensioenen, RVP) in Brussels on number +32 2 529 3776 within 3 years of the commencement date of your WIA benefit.
If you receive a short-term benefit from the Netherlands?
If you receive a short-term benefit from the Netherlands, you will have the same rights as someone who works in the Netherlands.
The following short-term benefits are treated as equivalent to employment:
- Sickness benefit (ZW)
- Unemployment benefit (WW)
- Wazo benefit
- IOAW benefit
- IOAZ benefit