Voluntary insurance
AOW supplementary allowance for your partner
If you receive an AOW pension and your partner has not yet reached his or her AOW pension age, you may qualify for a supplementary allowance on top of your AOW pension. You can receive the supplementary allowance until your partner reaches his or her AOW pension age. The amount of the supplementary allowance depends on:
1. The number of years your partner was insured under the AOW scheme
If your partner has lived or worked outside the Netherlands, as a rule, he or she will not have been insured under the AOW scheme during that time. The supplementary allowance will be reduced by 2% for each year that your partner was not insured.2. Your partner's income
- If your partner has wages or salary, or income from enterprise, we will deduct part of that income from the supplementary allowance. We calculate this is follows:
- The first € 220.41 of the gross monthly salary is not taken into account.
- Two thirds of the amount above that is deducted from your supplementary allowance.
- If your partner earns more than € 1,303.73 gross per month, no supplementary allowance will be payable.
- If your partner has an early retirement pension or a benefit, such as an unemployment or incapacity benefit, that income will be deducted in full from the supplementary allowance. If your partner receives more than € 722.21 gross per month, no supplementary allowance will be payable.
3. Your and your partner's joint income
If your joint income (including your AOW pension) is over € 2,570.88 per month, your supplementary allowance will be reduced by up to 10%. To find out exactly how much AOW pension and supplementary allowance is payable, you can view your details at My SVB.
No AOW supplementary allowance as from 2015
The AOW supplementary allowance will be discontinued in 2015. If you were born on or after 1 January 1950, you will no longer receive a supplementary allowance. If you were born before 1 January 1950, however, nothing will change for you. You will receive the supplementary allowance until your younger partner receives an AOW pension.
You will find more information about the discontinuation of the supplementary allowance in the leaflet entitled 'No AOW supplementary allowance as from 2015'.
In addition, the government intends to adjust the supplementary allowance on 1 July 2014. If you and your partner have a joint income of over € 50,000 (not counting AOW pension), and you first receive an AOW pension on or after 1 July 2014, the supplementary allowance will stop. A legislative proposal is being prepared for this.
Consequences of a lower supplementary allowance / discontinuation of the supplementary allowance
Reduction or discontinuation of the supplementary allowance may leave you temporarily with less income than you expected. Whether you need to do anything about this will depend on your financial situation. One solution could perhaps be for your partner to start working.
