AOW pension

How different types of income can affect your AOW supplementary allowance

The amount of the supplementary allowance depends on your partner's income and on your and your partner's joint income. If your joint income (including your AOW pension) is higher than € 2,827.01 gross per month, your supplementary allowance will be reduced by a maximum of 10%.

Click on a type of income to see how it affects your supplementary allowance. If your partner receives a type of income which is not mentioned, or if you are not sure what type of income he or she receives, please contact us.

As from 1 December 2014, pension as a lump sum is not deducted from AOW supplementary allowance.

  • Maintenance
    Maintenance is not deducted from the supplementary allowance.
  • Company car

    The addition for private use of a company car is not deducted from the supplementary allowance.

  • Gross wages/salary

    Gross wages or salary are partially deducted from the supplementary allowance.

  • Non-Dutch benefit
    If your partner receives a non-Dutch benefit which is similar to a Dutch benefit (e.g. a benefit under the WIA, WIA, WAO, WW or Ziektewet schemes), it will be fully deducted from the supplementary allowance.

    If your partner receives a non-Dutch statutory early retirement pension, it will not be deducted from the supplementary allowance.
  • 13th month's payment

    If your partner receives a 13th month's payment from his or her employer, we will consider the total income for the month in which the 13th month was paid. The total income for that month will be deducted in part from the supplementary allowance.

    If your partner's income exceeds a certain level during that month as a result of receiving the 13th month's payment, you will not receive supplementary allowance for that month. You must therefore inform the SVB promptly of a 13th month's payment.

  • Dividend

    Dividend is not deducted from your supplementary allowance.

  • One-off payment on termination of employment

    If your partner receives a one-off payment after termination of his or her employment, and your partner is free to decide how it is spent, the one-off payment will not be deducted from the supplementary allowance.

    If your partner receives the one-off payment while still in employment, or if your partner is not free to decide how the amount is spent, the one-off payment will be partially deducted from the supplementary allowance, taking into account the month in which your partner received the amount.

  • End-of-year bonus

    If your partner receives an end-of-year bonus from his or her employer, we will deduct a part of the total income your partner received in the month in which the bonus was paid from the supplementary allowance.

    If your partner's income exceeds a certain level because of the end-of-year bonus, you will not receive supplementary allowance for that month. It is important that you inform the SVB promptly of an end-of-year bonus.

  • Bonus

    If your partner receives a bonus from his or her employer, it will be partially deducted from the supplementary allowance.

  • Rental income

    If your partner's rental income is commercial, it will be partially deducted from the supplementary allowance.

    If your partner's rental income is non-commercial, it will not be deducted from the supplementary allowance.

    Please contact us if you are not sure whether your partner's income is commercial or not.

  • Rent allowance

    Rent allowance is not deducted from the supplementary allowance.

  • IOAW or IOAZ benefit

    Your partner's IOAW or IOAZ benefit will not be deducted from the supplementary allowance.

  • Anniversary bonus after 25 or 40 years of employment

    Will your partner get a one-off anniversary bonus from his or her employer after 25 or 40 years of employment?

    The bonus will be exempt from deductions up to the amount of one month's wages or salary.

    If the bonus is more than one month's wages or salary, part of the amount exceeding this level will be deducted from the maximum supplementary allowance.

  • Life-course saving scheme

    When the life-course savings are paid out to your partner, they will not be deducted from the supplementary allowance.

    If your partner is still saving under a life-course saving scheme, the contribution deducted from your partners wages or salary does not count as income for the purposes of your supplementary allowance.

    If your partner receives a contribution towards life-course insurance from his or her employer, this contribution will count as income. Like the gross wage or salary, the employer's contribution will be deducted in part from the supplementary allowance.

  • Annuity payment

    If your partner took out the annuity privately, and not via his or her employer, it will not be deducted from the supplementary allowance.

    If your partner received the annuity payment upon termination of his or her employment, and he or she was free to decide how to spend the amount, the annuity will not be deducted from the supplementary allowance.

    If your partner received the annuity payment upon termination of the employment and was not free to decide how it was to be spent, it will be deducted in full from the supplementary allowance.

  • Bridging benefit from PGGM (OBU)
    An OBU benefit from PGGM will be deducted fully from the supplementary allowance.
  • Personal Budget (PGB)

    If your partner receives a personal budget (PGB) to purchase care, it will not be deducted from the supplementary allowance.

  • Old age pension or early retirement pension

    If your partner is entitled to an old age or early retirement pension, it will be deducted from the supplementary allowance. If your partner receives a survivor benefit, that will also be deducted from the supplementary allowance. If a pension is paid as a lump sum, it will only count as income for the month in which the lump sum is paid.

  • Travel allowance

    If your partner gets a travel allowance from his or her employer, it may be deducted from the supplementary allowance. This applies in the following two cases:

    1. If the travel allowance is more than the standard statutory amount, the part that exceeds the standard amount will be partly deducted from the supplementary allowance.

    2. If the employer counts the travel allowance as taxable wages, the whole amount will be treated as income from work, which will be partly deducted from the supplementary allowance.

    In all other cases, a travel allowance will not be deducted from the supplementary allowance.

  • Salary savings scheme
    Salary savings received by your partner will not be deducted from the supplementary allowance.
  • Entitlement to periodic payments (stamrecht)

    If your partner took out the annuity privately and not via his or her employer, it will not be deducted from the supplementary allowance.

    If your partner received the annuity payment upon termination of the employment with the employer concerned, and he or she was free to decide how to spend the amount, the annuity will not be deducted from the supplementary allowance.

    If your partner received the annuity payment 1>upon termination of the employment and was not free to decide how it was to be spent, it will be deducted in full from the supplementary allowance.

  • Early retirement benefit (VUT)

    Your partner's VUT benefit will be deducted in full from the supplementary allowance.

  • Holiday allowance

    Holiday allowance is not deducted from the supplementary allowance.

  • Allowance for voluntary work

    If your partner receives an allowance for voluntary work of under € 170 per month, or under € 1,700 per year, it will not be deducted from the supplementary allowance.

    Any amount exceeding € 170 per month or € 1,700 per year will be deducted in part from the supplementary allowance.

  • Incapacity benefit (WAO/WIA/WAZ)

    Your partner's WAO, WIA or WAZ benefit will be deducted in full from the supplementary allowance.

  • Unemployment benefit (WW)

    If your partner no longer has an employment contract, his or her unemployment benefit will be deducted in full from the supplementary allowance.

    If your partner still has an employment contract, the unemployment benefit will be deducted in part from the supplementary allowance.

  • Wajong benefit

    Your partner's Wajong benefit will be deducted in full from the supplementary allowance.

  • Profit from business activities

    Profit received by your partner will be deducted in part from the supplementary allowance. We convert profit received on a yearly basis into an average monthly income. This average monthly income is then partially deducted from the supplementary allowance. (We look at the profit before the entrepreneur's allowance or deduction for small and medium enterprises (MKB-aftrek) is applied.)

    Profit on discontinuation of a business is not treated as profit for the purposes of the supplementary allowance.

  • Dutch sickness benefit

    Your partner’s sickness benefit will be deducted in full from the maximum supplementary allowance.

    In a few exceptional cases, it will only be partly deducted from the supplementary allowance.