AOW pension

Frequently asked questions about Brexit and AOW pension


  • I live in the UK and I receive an AOW pension. What will Brexit mean for my pension?

    No deal

    Your AOW pension and, if applicable, supplementary allowance for your partner, will continue as usual.

    However, if you move abroad and move back to the UK after 29 March 2020, your AOW pension may change. If you receive a pension for a person living alone, it will be based on 50% rather than 70% of the Dutch net minimum wage. If you receive a supplementary allowance for your partner, that will stop. 

    If you have a partner and you both receive an AOW pension and one of you passes away, the surviving partner’s pension will be based on 50% rather than 70% of the Dutch net minimum wage.

    Deal

    Your AOW pension will continue as usual during the transition period, which ends on 31 December 2020. EU rules will still be applicable during this period and therefore nothing will change until 31 December 2020. After the transition period, a transitional arrangement will come into force. The basic principle of the transitional arrangement is that existing entitlements will not change.

  • I live in the UK and will reach my AOW pension age before 30 March 2020 (that is, within one year after Brexit). Because I lived and worked in the Netherlands, I will be entitled to an AOW pension. What will Brexit mean for my future AOW pension?

    No deal

    You will receive the same AOW pension that you would have received if there had been no Brexit.

    However, if you move abroad and then move back to the UK after 29 March 2020, your AOW pension may change. If you receive a pension for a person living alone, it will be based on 50% rather than 70% of the Dutch net minimum wage.

    Deal

    You will receive the same AOW pension that you would have received if there had been no Brexit. A transition period applies until 31 December 2020. EU rules will still be applicable during this period and therefore nothing will change until 31 December 2020. After the transition period, a transitional arrangement will come into force. The basic principle of the transitional arrangement is that existing entitlements will not change.

  • I live in the UK and I receive an AOW pension. The SVB deducts Zvw health insurance contributions for non-residents from my pension, which entitles me to medical care in the UK paid for by the Netherlands. Will this be different after Brexit?

    No deal

    We will stop deducting health insurance contributions for non-residents from your AOW pension as from 1 April 2019. This will increase your net pension amount. The CAK will send you a letter about the consequences of stopping your health insurance contributions.

    Deal

    Your AOW pension will continue as usual during the transition period, which ends on 31 December 2020. EU rules will still be applicable during this period and therefore nothing will change until 31 December 2020. After the transition period, a transitional arrangement will come into force.

  • I live in the UK and I receive an AOW pension. I want to move to the Netherlands after Brexit. What will that mean for my AOW pension? And what if I decide to move back to the UK later?

    No deal

    After you move to the Netherlands, your AOW pension will continue as usual. If you then move back to the UK after 29 March 2020, it could affect your AOW pension. If you receive a pension for a person living alone, it will be based on 50% rather than 70% of the Dutch net minimum wage. If you receive a supplementary allowance for your partner, that will stop.

    If you have a partner and you both receive an AOW pension and one of you passes away, the surviving partner’s pension will be based on 50% rather than 70% of the Dutch net minimum wage.

    Deal

    After you move to the Netherlands, your AOW pension will continue as usual during the transition period, which ends on 31 December 2020. If you move back to the UK within the transition period, your AOW pension will not change. EU rules will still be applicable during this period and therefore nothing will change until 31 December 2020. After the transition period, a transitional arrangement will come into force. The basic principle of the transitional arrangement is that existing entitlements will not change.

    Important: If you move back to the UK after 31 December 2020, it could affect your AOW pension. If you receive a pension for a person living alone, it will be based on 50% rather than 70% of the Dutch net minimum wage.

  • My wife and I live in the UK and we both receive an AOW pension. What will happen to our pensions if one of us should pass away after Brexit?

    No deal

    The surviving partner will continue to receive an AOW pension at the basic rate (based on 50% of the Dutch net minimum wage) rather than a pension at the higher rate (based on 70% of the Dutch net minimum wage).

    Deal

    A transition period applies until 31 December 2020. EU rules will still be applicable during this period and therefore nothing will change until 31 December 2020. If one of you dies before 31 December 2020, the surviving partner will receive an AOW pension for a person living alone which will be based on 70% of the Dutch net minimum wage.

  • I live in the Netherlands and I receive an AOW pension as well as a UK pension. What will Brexit mean for my pensions?

    No deal

    Your AOW pension will continue as usual. As for your UK pension, you should contact the UK pension authorities.

    Deal

    Your AOW pension will continue as usual. As for your UK pension, you should contact the UK pension authorities.