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AOW Voluntary Insurance Abroad Tilburg

The **AOW voluntary insurance abroad** helps Dutch nationals in Tilburg or abroad maintain their AOW rights. Learn about conditions, costs and steps via local legal aid in Tilburg.

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AOW Voluntary Insurance Abroad Tilburg

The **AOW voluntary insurance abroad** offers Dutch citizens in Tilburg or abroad the opportunity to claim under the **General Old Age Pensions Act (AOW)**. Normally, AOW starts upon return to the Netherlands or upon meeting income rules. This voluntary option prevents interruption.

Ideal for Tilburg residents who emigrate after retirement, expats or those temporarily residing abroad. Contact District Court Zeeland-West-Brabant, Wilhelminapark 100 or Juridisch Loket Tilburg, Spoorlaan 364 for advice.

What does AOW voluntary insurance abroad entail?

This scheme allows you, despite residing outside the Netherlands, to pay premiums for the Dutch pension system. This keeps your AOW accrual intact, as recorded in the **AOW** and implementation regulations.

Without this, you only pay upon remigration or income criteria. For Tilburg residents who move: start in time via SVB.

Suitable for:

  • Expats from Tilburg post-retirement.
  • Temporary emigrants with AOW needs.
  • Without alternative foreign pension.

For whom in Tilburg and surroundings?

For Dutch nationals:

  • From AOW age (65/67+) outside NL.
  • Without standard AOW entitlement due to residence/income.
  • With desire for NL AOW.

Not possible if: equivalent foreign pension or local pension rights.

Conditions AOW voluntary abroad
Condition Details
Nationality Dutch citizenship required.
Residence Abroad without AOW entitlement.
No alternative No comparable benefit.
Age Pension age reached.

Legal basis

Based on **General Old Age Pensions Act articles 16-20**, SVB implementation. Consult District Court Zeeland-West-Brabant, Wilhelminapark 100 for case law.

Practical examples Tilburg

Example 1: Tilburg resident (68) moves to Spain. Voluntarily insured: full AOW after premium.

Example 2: Expat from Tilburg to US. No US pension: retains NL rights.

Rights and obligations

  • Right: AOW benefit upon retirement.
  • Obligation: Annual premium (approx. €1,500+, income-dependent).
  • Report change of residence.

How to apply?

  1. Application to SVB (online/post).
  2. Documents: passport, proof of address.
  3. Start premium payment.
  4. Annual renewal.

Uncertain? Juridisch Loket Tilburg, Spoorlaan 364.

Costs

Premium: minimum wage base * 17.9% (2024: ~€1,664/year). Income test via SVB.

Frequently asked questions

Can I stop? Yes, but accrued rights remain.

Tax? Premium deductible; AOW taxable in country of residence.

Tips and help Tilburg

  • Check SVB website for updates.
  • Consult Juridisch Loket Tilburg, Spoorlaan 364.
  • Court: Zeeland-West-Brabant, Wilhelminapark 100.