Anw survivor benefit

If you live with more than one other adult

If you share a house with more than one other adult, we will determine whether you are single or 'living with a partner'.

The SVB will consider you to be living with a partner if you share a household with one other adult person (who is not your own child, stepchild or foster child), that is, if:

  • you live in the same house as another person aged 18 or over, and
  • you and this other person both contribute to the household

Contributing to the household is defined as follows:

  • contributing financially to the household expenses, or
  • taking care of each other in the household in some other way

Financial contributions refer to housing costs, living expenses and other expenses. The contributions must be substantial and be made with some regularity. Taking care of each other includes doing household chores, shopping, cooking, or taking care of each other in the event of illness. This care should also be substantial and be provided with some regularity. 

If these conditions are met, we will consider you and the other person to be 'partners', which means you will not be able to claim a survivor benefit. The SVB will consider you to be single if:

  • no other adult person contributes to the household
  • you and two other adult persons contribute to the household

You will then be entitled to an Anw survivor benefit provided you meet the other conditions. The co-resident rule may apply for you if you share your house with a person aged 21 or over. 

A few examples are given below.

  • Partner

    You receive an Anw benefit because you have a child under 18 who lives at home with you. You start a relationship with Robert (aged 55), who moves in with you and pays his share of the groceries and other household expenses. He also does the cooking, tends the garden, helps with the cleaning and does odd jobs around the house.

    Your Anw benefit will stop because Robert and you are considered to be sharing a household. After all, Robert contributes to the household financially and on other ways. You would be considered to be sharing a household even if his contribution was only financial or if it only consisted of doing part of the household chores.

  • Your own child

    You receive an Anw survivor benefit because you are incapacitated for work for at least 45%. Your daughter Sandra (aged 32) is living in with you. She pays her share of the fixed costs, such as the rent, groceries and gas and electricity. She also helps in all sorts of daily chores, such as cooking, shopping, cleaning and odd jobs around the house. 

    The co-resident rule applies for you. Sandra is older than 21 and counts as a co-resident. You continue to be entitled to an Anw benefit because you are sharing a household with your own child.

  • A friend's child

    You receive an Anw benefit because you have a child under 18 who lives at home with you. Jamie (aged 21) is the child of a friend of yours. He is a student who is living in with you. He occasionally pays for groceries and does odd jobs around the house from time to time.

    You are entitled to the standard amount of Anw benefit. You are not sharing a household with Jamie because he contributes to the household only occasionally. He does not count as a co-resident either because he is still a student. If he stops receiving education, however, he will count as a co-resident. In that case, the co-resident rule will apply for you.

  • A friend and her daughter

    You receive an Anw benefit because you have a child under 18 who lives at home with you. Your friend Anne (aged 49) and her child Emma (aged 29) are living in with you. Anne and Emma are both working and paying their share of the fixed costs, such as the rent, groceries and gas and electricity. They also help in all sorts of everyday chores, such as cooking, shopping, cleaning and odd jobs around the house.

    The co-resident rule applies for you. Anne and Emma both count as co-residents. You are sharing a household with them. You continue to be entitled to an Anw benefit because you are sharing a household with two or more other persons.

  • Brother and his son

    After his divorce, your brother Mark (aged 55) and his son Sam (aged 20) moved in with you. You and Mark share the household expenses. Mark does the paperwork and prepares both of your tax returns. He also does the cooking from time to time, does the shopping and lends a hand in jobs around the house. Sam is a student with a small job on the side. He only occasionally contributes to the household expenses and is mainly at home for his studies. 

    Your Anw benefit will stop. You are sharing a household with one other person: Mark. You and your brother are sharing household expenses, and he also helps in the household. Sam pays hardly anything and does not help in the household. In other words, he does not contribute to the household.