What is deducted from your AOW pension?

What is deducted from your AOW pension depends on whether you live in the Netherlands or outside the Netherlands.

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Tax and national insurance contributions

Tax and national insurance contributions are deducted from your AOW pension. This includes:

  • wage tax and 
  • a social insurance contributions for Dutch survivor benefit ( Anw benefit) and 
  • a contribution under the Long-term Care Act ( Wlz)

You can apply for tax credits so that you pay less in tax and contributions.

Tax and national insurance contributions

Tax and national insurance contributions are deducted from your AOW pension. The deductions consist of:

  • wage tax and 
  • a social insurance contributions for Dutch national insurance schemes

What is deducted depends on the agreements between the Netherlands and the country where you live. 

If there are no deductions in the Netherlands, you will have to pay tax on your AOW pension in the country where you live.

Zvw health insurance contribution

National health insurance contributions ( Zvw contributions) are deducted from your AOW pension.

Contributions to your health insurer

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

Personal contribution for long-term care (Wlz) or social support (Wmo)

There is 1 more deduction that can be made:

  • personal contribution for long-term care ( Wlz contribution)
  • personal contribution for social support ( Wmo contribution)

You only have to pay this if you live in a nursing home or other institution.

Personal contribution for social support (Wmo)

Contributions for social support ( Wmo) are deducted from your AOW pension. If you need social support, you will have to pay part of the costs yourself. This is called the personal contribution for social support (Wmo).

The CAK determines how much personal contribution you have to pay.

Personal contribution for long-term care (Wlz)

Contributions for long-term care ( Wlz) are deducted from your AOW pension. If you need long-term care, you will have to pay part of the costs yourself. This is called the personal contribution for long-term care (Wlz)

The CAK determines how much personal contribution you have to pay.

Zvw health insurance contribution for non-residents

The Zvw health insurance contribution for non-residents is deducted from your AOW pension. There are 3 parts to this contribution:

  • personal Zvw health insurance contribution
  • Wlz contribution for long-term care
  • a fixed social insurance contributions for an amount that depends on the costs of healthcare in the country where you live.  The CAK determines whether you should pay this so-called ‘treaty contribution’.