AOW pension

You live in the same house as your tenant or landlord/landlady

If you rent out part of your house to someone, or if you rent accommodation yourself and live in the same house as your landlord or landlady, you probably have a commercial relationship with each other. In that case, you will not be considered to be living with a partner for the purposes of the AOW.

When are you considered to have a commercial relationship?

You have a commercial relationship if you live in the same house as someone and you meet the following conditions:

  • you share a house with one or more other people. You rent a room to someone or you rent a room yourself, or you have a lodger or you are a lodger yourself
  • you have a strictly commercial (businesslike) relationship with the other persons or persons
  • there is a written agreement about this between you and the other person or persons
  • you can show documentary evidence such as a contract, bank statements and, if applicable, a tax return

The amount of your AOW pension will stay the same

If you start living with someone, you will normally receive an AOW pension based on 50% of the net minimum wage. However, if you have a commercial relationship with the person you share a house with, you will continue to receive an AOW pension at the rate for a person living alone, which is based on 70% of the net minimum wage.

When are you not considered to have a commercial relationship?

In the following situations, you cannot be considered to have a commercial relationship for the purposes of the AOW:

  • you were previously married to or living with the other person
  • you have a child together, or the child of one of you has been recognized by the other
  • you have a cohabitation contract with the other person which was drawn up by a sollicitor
  • your household has already been classed as a joint household under another Act or scheme