What is deducted from your AOW pension?

We deduct tax and/or national insurance contributions and health insurance contribution (‘ Zvw contribution’) from your AOW pension. The remaining amount is the net amount you receive in your bank account.

If you live in a care home or another institution, we can also deduct a personal contribution for long-term care ( Wlz) or social support ( Wmo).

‘Loonheffing’ consists of tax and national insurance contributions for survivor benefit ( Anw) and long-term care ( Wlz). 

You are entitled to  tax credit. This means you will pay less in tax and contributions.

The Zvw health insurance contribution is deducted from your AOW pension.

In addition, you will also pay a personal contribution to your health insurer. The amount of the contribution depends on your health insurance policy.

If you live permanently in a care home or other institution where you also receive care, you will have to pay part of the costs yourself. We call this the Wlz personal contribution.

If you live in supported housing, you will have to pay part of the costs yourself. We call this the Wmo personal contribution.

Het CAK bepaalt hoeveel eigen bijdrage Wlz of Wmo u moet betalen. Wij kunnen dit op verzoek van CAK inhouden op uw AOW. Het CAK berekent de eigen bijdrage met uw inkomen van 2 jaar geleden. Is uw inkomen de afgelopen 2 jaar lager geworden? Dan kunt u het CAK vragen om een nieuwe berekening.

If you live outside the Netherlands, the specific amounts deducted from your AOW pension will depend on the country where you live.