The story of the SVB
We are the Sociale Verzekeringsbank (SVB)
We implement Dutch social insurance schemes, for example, for AOW old-age pension, child benefit (AKW), or the personal care budget (PGB). We make sure that our clients are aware of and receive what they are entitled to, correctly and on time. We help them as quickly as possible, the first time they contact us.
We implement 2 different kinds of schemes and legislation:
- social insurance schemes and legislation by order of the Ministry of Social Affairs and Employment
- non-social insurance based schemes and legislation by order of other government departments, in particular the Ministry of Health, Welfare and Sport
Making sure that everyone gets what they are entitled to, fairly and at minimal cost to the taxpayer. This is what the SVB stands for. We help to keep the pension and benefit system affordable. We do this properly by keeping to the rules, so that you get the right amount at the right time, without having to worry about your pension, benefit or allowance.
It is important that you also comply with the rules. We can only only guarantee a fair social security system if the details we have for you are correct.
Our approach is one of prevention rather than cure. Accordingly, we make sure to keep you informed about the rules. Look on the site under your pension or benefit scheme to see what is expected of you.
What is ‘compliance’?
To make sure the pension and benefit schemes are carried out properly, we also have to check whether people are complying with the rules. This is called ‘compliance’.
People sometimes receive pension or benefit payments unduly, either deliberately or accidentally. Our staff keep an eye open for irregularities. Checks always start with a search of all the relevant information. For example, we may use Google or request information from other parties.
For us, verification is:
- providing clarity about rights and obligations: prevention through information
- checking details such as income and living situation
- imposing sanctions, fines or repayment orders where the rules have been infringed
- conducting fraud investigations and reporting fraud to the Public Prosecutor
The key principles underlying our verification policy and practice have been laid down in writing.
If we still have questions, we may visit you at home, either announced or unannounced. If we notice that something is not right, we will take measures. If necessary, the SVB will report a case of fraud to the Public Prosecutor. However, we would much rather prevent such a situation happening in the first place. With your help, we can ensure that everyone gets exactly what they are entitled to. No more and no less.
The SVB officer who visits you at home will show you their special identification card. You can also ask them to do this.
Around 350,000 of our clients live or work outside the Netherlands. This can have consequences for their pension, benefit or allowance. If you move to another country, your pension or benefit may have to be reduced or even stopped. Living and working outside the Netherlands could also affect your partner’s benefit.
There is a Bureau for German Affairs and a Bureau for Belgian Affairs specifically for people who work in Germany or Belgium but live in the Netherlands or vice versa. In Ankara (Turkey), Rabat (Morocco) and Madrid (Spain), we are represented by social attachés.
'Grensinfopunt' is an internet service counter where you can ask questions about living, working, doing business and studying abroad. It is a collaboration by the Bureaus for Belgian and German Affairs, the Dutch Ministry of the Interior and the Tax and Customs Administration (Belastingdienst).