Conditions for buying back insurance

You can buy back AOW insurance for past years if:

• you started living or working in the Netherlands within 50 years of reaching your AOW pension age, and
• you have not yet reached your AOW pension age when you apply, and
• your application for buying back insurance is made within 10 years of you first coming to live or work in the Netherlands, and
• you have been insured under the AOW scheme based on residence or employment in the Netherlands for at least 5 years. There are 2 exceptions:
  
  
  1. If you have been insured for a state old-age pension in another country of the European Union (EU ), we may be able to take that insurance period into account as well. Contact us and we will assess whether this is the case.
  2. If you first lived in the Netherlands based on a residence permit , you may not have been insured under the AOW pension scheme for that period. Contact us and we will assess whether this is the case.

When is it not possible to buy back AOW insurance?

If you are insured in another EU country and receive a pension from that country, you cannot buy back AOW insurance.

If you return to the Netherlands with your children, you can buy AOW insurance for past years for them providing they have come to the Netherlands for the first time within 50 years of reaching their AOW pension age.

If your child was aged between 15 and 17 when you left the Netherlands, it may not be possible to buy back AOW pension insurance for them. Different rules will apply. Contact us about this before your child reaches the age of 18.