What is the AOW age?
The AOW age is the moment at which you become entitled to your AOW benefit. This age has increased in recent years and is linked to life expectancy. For 2024, the AOW age is 67 years.
AOW age by year of birth
| Year of birth | AOW age | AOW start |
|---|---|---|
| 1957 | 66 years and 7 months | 2023/2024 |
| 1958 | 66 years and 10 months | 2024/2025 |
| 1959 | 67 years | 2026 |
| 1960 | 67 years | 2027 |
| 1961 and later | 67 years (depending on life expectancy) | 2028 and later |
How do you calculate your AOW age?
SVB calculation tool
Via the website svb.nl, you can calculate your precise AOW start date. Enter your date of birth and immediately receive the exact day on which your benefit begins.
Relation to life expectancy
The AOW age is adjusted to life expectancy:
- Per year of additional life expectancy = 8 months later AOW
- Maximum increase: 3 months per year
- Determination takes place 5 years in advance
Stopping work earlier
Are you considering stopping work before your AOW age?
- Your AOW does not start earlier
- You must financially bridge the period yourself
- Options: own savings, early retirement pension, or RVU scheme
- Note: no unemployment benefit (WW) shortly before AOW age
Continuing to work after AOW age
If you continue working after your AOW age:
- Your AOW benefit does not increase
- You can build up additional pension
- Tax advantage: no more AOW premium
Can I defer my AOW to start later?
No, the AOW starts automatically at your AOW age. Deferral for a higher benefit is not possible.
What if I become unemployed shortly before my AOW age?
In that case, you may be eligible for an IOW benefit (Income Provision for Older Unemployed Persons) instead of WW.
Will the AOW age go to 68 or 69 years?
This may happen in the future, depending on life expectancy. Any increases will be announced in good time.
Frequently asked questions about AOW in Westland
How do I find out the exact start date of my AOW?
Your precise AOW date depends on your date of birth. Use the calculation tool on svb.nl to see the exact start date after entering your date of birth, accurate to the day.
Is retiring earlier an option?
Yes, you can stop working earlier, but the AOW benefit only starts at your official AOW age. You must financially cover the intervening period yourself, for example via savings or an early retirement scheme.
What if I continue working after my AOW age?
You receive your AOW benefit normally, without increase. However, you can build up additional pension and benefit from tax advantages because you no longer pay AOW premium.
What is the IOW benefit and who is eligible for it?
The IOW (Income Provision for Older Unemployed Persons) supports older unemployed persons who no longer receive WW shortly before their AOW age. You may be eligible if you become unemployed between 60 years and your AOW age and meet the conditions.
How is the future AOW age determined?
The AOW age depends on life expectancy. For each additional year of life expectancy, the age increases by 8 months, with a maximum of 3 months per year.
Additional information for Westland: For legal questions about AOW or pension matters, you can contact the Juridisch Loket Westland. For disputes, you can go to the Rechtbank Den Haag, the district court under which Westland falls.