AOW pension

Your income and the increase in the AOW pension age

You may face a temporary drop in income due to the increase in the AOW pension age. Whether your income will continue until your AOW pension age depends on the type of income you receive.

If you are in paid employment

If you have a permanent employment contract, your salary will be paid until you reach your AOW pension age.

If you are self-employed or a freelancer

You can decide yourself when you want to stop working: before, when or after you reach your AOW pension age.

If you receive an incapacity benefit (WAO or WIA), a national assistance benefit, or an Anw survivor benefit

A WAO or WIA incapacity benefit, a national assistance benefit or an Anw benefit will often continue until you reach your AOW pension age. 

Example
You were born on 22 May 1953: 

  • Your AOW pension age is 66 years and 4 months.
  • Your AOW pension will therefore start on 22 September 2019.
  • Your benefit will continue until 21 September 2019.

If you receive an incapacity benefit, it will stop before you reach your AOW pension age if you are no longer incapacitated for work. If you receive an Anw survivor benefit, it will stop before you reach your AOW pension age when your youngest child turns 18.

If you receive an unemployment benefit (WW or IOW benefit), or a sickness benefit

An unemployment or sickness benefit will not always continue until the date on which your AOW pension starts. You can find more information about this on the UWV website.

If you receive an early retirement benefit (VUT) or similar benefit

When your early retirement benefit or pre-pension benefit stops depends on your collective agreement (cao). In many cases, it will stop before you reach your AOW pension age, or it may be converted to a lower old age pension before you can start to receive your AOW pension. You may then face a temporary drop in income. In these cases, you may be able to get a pension bridging benefit (OBR).