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What is deducted from your AOW pension?

What is deducted from your AOW pension depends on where you live.

You live in the Netherlands

If you live in the Netherlands, tax and/or national insurance contributions (jointly referred to as ‘loonheffing’) and Zvw health insurance contributions will be deducted from your AOW pension.

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 is a combination of wage tax and social insurance contributions. If you receive an AOW pension, you pay contributions for Dutch survivor benefit (Anw) and long-term care (Wlz). You do not pay any AOW pension contributions.

You are entitled to a tax credit.

Everyone pays two types of health insurance contribution.

The Zvw contribution is deducted automatically from your AOW. You do not have to do anything yourself.

The other contribution or ‘premium’ is for your mandatory basic health insurance (‘basispakket’) with a Dutch health insurance company. You have to pay this contribution yourself directly to the insurer.

How much you pay depends on your choice of health insurer and insurance package.

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.

The CAK decides how much Wlz or Wmo contribution you need to pay based on your income from 2 years ago. If your income has gone down in the meantime, you can ask the CAK to make a new calculation.

We will deduct your personal contribution from your AOW pension if the CAK asks us to.