If you are going to live or work outside the Netherlands
As a rule, if you start living or working outside the Netherlands, you will cease to be covered under the AOW old age pension scheme and the Anw survivor benefits scheme.
Avoid an AOW pension shortfall
If you are not continuously insured under the AOW scheme, you will get a reduced AOW pension when you reach your AOW pension age. Your pension will be reduced by 2% for each year of non-insurance. You can avoid the resulting pension shortfall by taking out voluntary insurance.
Ensuring that your survivors get an Anw benefit
If you are not insured under the Anw scheme, your partner will not get a survivor benefit if you pass away, and your children will not get an orphan's benefit.
You can take out voluntary Anw insurance so that your partner and children will be entitled to a benefit.
There are three kinds of voluntary insurance:
- AOW insurance only
- Anw insurance only
- both AOW and Anw insurance
Apply within 12 months
If you cease to be covered under compulsory AOW or Anw insurance, you can take out voluntary insurance under these schemes, provided you do so within 12 months.
With regard to Anw insurance, it is advisable to apply without delay to be sure that your partner or minor children will get a benefit in the event of your death.
You can find more information (in Dutch) about the arrangements you have to make when moving abroad at vertreknaarhetbuitenland.overheid.nl.