If your partner moves into sheltered housing, a nursing home, a beach hut or a cardboard box
As long as you both live in the same house, you and your partner will each receive an AOW pension at the rate for a married person, which is based on 50% of the net minimum wage. In the following two situations, you can apply for an AOW pension at the rate for a single person while remaining married:
- if your partner stays in a nursing home for an extended period of time, or
- if your partner moves into sheltered housing.
You will then each receive an AOW pension based on 70% of the net minimum wage even though you continue to be married.
It may seem a good idea to have your AOW pensions converted to pensions at the rate for a single person because you and your partner will receive a higher AOW pension. However, there are also possible disadvantages to be considered (see below).
Disadvantages to getting an AOW pension at the rate for a single person
It will not necessarily be to your advantage to get an AOW pension at the rate for a single person.
- You will probably have to pay more tax
- Your partner will have to pay a much higher contribution under the Long-term Care Act (Wlz) or the Social Support Act (Wmo). The amount of this contribution is established by the Central Administration Office (CAK).
- You may receive a lower health care benefit or rent benefit.
- If you receive a company pension, that may also be affected.
- A change to your AOW pension may affect a Wuv or Wubo benefit or an extraordinary pension. For more information, contact the Leiden branch of the SVB.
- If one of you dies, the surviving partner will not be entitled to a death grant under the AOW scheme.
We advise you to contact the Dutch Tax Administration (Belastingdienst), the CAK, and your pension fund, if applicable, before deciding whether to have your pensions converted.
If you decide to keep your AOW pension at the rate for a married person, you do not have to take any action. If you opt for a pension at the rate for a single person, we will process your claim as soon as we receive it.
NB: If you opt for a pension at the rate for a single person, it cannot be changed back into a pension at the rate for a married person as long as your partner stays in the nursing home.