AOW Voluntary Insurance in Tilburg: Close Your AOW Gap
An **AOW voluntary insurance** helps Tilburg residents who have not contributed the full **50 years** (or **1,040 weeks**) to the **General Old Age Pensions Act (AOW)**. In Tilburg, you can use this insurance to fill missing periods and receive a full AOW benefit. Contact the Juridisch Loket Tilburg at Spoorlaan 364 for free advice.
What Does AOW Voluntary Insurance Entail for Tilburg?
The AOW is the basic pension for everyone from age 67 with sufficient premium weeks. Tilburg residents with a **pro rata AOW benefit** (partial) can catch up years through voluntary insurance. The District Court of Zeeland-West-Brabant at Wilhelminapark 100 handles any disputes in this regard.
Particularly relevant for Tilburg residents:
- Self-employed individuals from Tilburg city centre without AOW premiums.
- Parents from neighbourhoods such as Het Zand who stayed home for years.
- Expats and migrants in Tilburg who did not live in the NL for 50 years.
- Employees at Tilburg companies who continue working after age 67.
Legal Basis of AOW Insurance
Regulated in:
- Article 10 AOW: conditions for voluntary contributions.
- Decree on Voluntary AOW Insurance: costs and application procedures for the Tilburg region.
How Do You Arrange Voluntary AOW Insurance in Tilburg?
Steps for Tilburg applicants:
- Submit application to SVB before your 67th birthday (advice via Juridisch Loket Spoorlaan 364).
- Pay premiums for missing years.
- Wait until AOW age for higher benefit.
Costs of AOW Voluntary Insurance 2024
Premium per year approx. **€1,500-€2,000** (based on AOW wage). Payable in instalments. Full calendar years only, no half years. Calculate your costs at the Juridisch Loket Tilburg.
Examples from Tilburg Practice
Example 1: Tilburg self-employed person
Piet from Westermarkt, 65, misses 6 premium years. With voluntary AOW insurance, his pension increases by 12%.
Example 2: Stay-at-home mother from Tilburg-Noord
Marjan, 66, worked 28 years and stayed home for 22 years. By voluntarily insuring for 12 years, she achieves 76% AOW.
Example 3: Moroccan migrant in Tilburg
Ahmed, 64, lived in NL for 32 years. Fills 18 years via SVB for full benefit.
Rights and Obligations in Tilburg
Rights:
- Application until 67th birthday at SVB.
- Increase in AOW benefit.
- Refund upon death (pro rata).
Obligations:
- Timely premium payment.
- Application before AOW age.
- No double benefits (except bridging).
AOW Voluntary Insurance vs. Bridging Benefit
Voluntary AOW: Permanent solution for missing years, future full benefit.
Bridging benefit: Temporary supplement until age 67 for workers.
In Tilburg: choose via advice at Spoorlaan 364.
Action for Tilburg residents: Call SVB or visit Juridisch Loket Tilburg for personal calculation. Prevent AOW gap!