Deductions from your AOW pension
We make the following deductions from your gross AOW pension:
- Tax and national insurance contributions (Loonheffing)
- Zvw health insurance contributions
- Personal contributions under the Long-term Care Act (Wlz). (Only if you are staying in an institution where you receive care.)
- Personal contributions under the Social Support Act (Wmo). (Only if you are living in a sheltered housing institution.)
The amount remaining after the deductions is your net AOW pension. This is the amount that will be credited to your bank account.
Tax and national insurance contributions (Loonheffing)
We deduct tax and national insurance contributions. You are entitled to a tax credit. This is a reduction in the amount of tax and national insurance contributions that you have to pay.
Dutch health insurance contribution
The contribution under the Dutch Health Insurance Act (Zvw) consists of two parts:
- a contribution which is deducted from your AOW pension
- a contribution you have to pay to your health insurer
Personal contribution under the Long-term Care Act (Wlz) or the Social Support Act (Wmo)
If you are staying and receiving care in an institution which is funded under the Long-term Care Act (Wlz), or if you are living in a sheltered housing institution, you will have to pay a personal Wlz or Wmo contribution towards the expenses. The Central Administrative Office (CAK) will establish the amount of your personal contribution and instruct us to deduct the contribution from your AOW pension.
If your personal contribution is higher than the amount we deduct, you will receive an invoice from the CAK for the difference.
If you live outside the Netherlands
Whether or not we deduct tax and national insurance contributions or Zvw contributions from your pension depends on the country where you live.