AOW Gap for Expats and Remigrants in Tilburg

Expats and remigrants in Tilburg often face an AOW gap due to years abroad without paying Dutch premiums. The AOW accrues based on years of residence, not just work. Upon return to Tilburg, you can voluntarily insure for periods prior to emigration, provided it is within the deadlines. EU rules (Regulation 883/2004) count years of residence in other EU countries, but not outside without a bilateral treaty. For non-EU countries, pro rata offsetting applies. The SVB checks via international treaties. Practical example: a Tilburg expat from the US with 20 Dutch years of residence receives 40% AOW; voluntary insurance fills it up to 100%. In Tilburg, with its growing international community around Tilburg University and companies like ASML in the region, many remigrants report to the SVB office in the Het Zand neighbourhood. Costs are higher for older applicants due to premium build-up. Important: report emigration and remigration timely to the SVB to preserve rights – ideally via the UWV office in Tilburg. Tax benefit via box 1 deduction. Advice: check your AOW accrual via mijn.svb.nl and fill gaps before AOW age, especially if returning to areas like the Spoorzone. Alternative: Anw insurance for survivors' pension. This way, you avoid financial surprises upon retirement in Tilburg. (218 words)