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AOW Voluntary Insurance Westland: Fill Your AOW Gap

AOW voluntary insurance for Westland: fill missing AOW years and prevent pension gap. Relevant for self-employed, parents and migrants. Costs, application and examples.

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AOW Voluntary Insurance in Westland: Prevent an AOW Gap

An **AOW voluntary insurance** offers residents of Westland the opportunity to fill missing **AOW years** if you have not contributed the full **50 years** (or **1,040 weeks**) to the General Old Age Pensions Act (AOW). This prevents a lower pension and ensures a full AOW benefit.

What Does AOW Voluntary Insurance Entail for Westland?

The AOW forms the basis of your Dutch old-age pension from around age 67. Missing premium weeks due to unemployment, childcare or emigration? Then you receive a pro rata benefit. With voluntary AOW insurance, you fill these periods.

Particularly relevant for Westlanders:

  • Self-employed growers and entrepreneurs without AOW premiums.
  • Parents who provided home care for years.
  • Seasonal workers or migrants with incomplete AOW accrual.
  • Westlanders still active in greenhouse horticulture after age 67.

Legal Basis of AOW Voluntary Insurance

Regulated in:

  • Article 10 General Old Age Pensions Act: conditions for voluntary AOW.
  • Decree on Voluntary AOW Insurance: premium amount and application procedure.

Handled by District Court of The Hague (Westland district) in disputes.

The Social Insurance Bank (SVB) processes applications for Westland.

Applying for AOW Voluntary Insurance in Westland

Step-by-step plan:

  1. Submit application to SVB before your 67th birthday.
  2. Pay premium for the missing calendar years.
  3. Be patient: benefit increases only from AOW age.

Premium Costs AOW Voluntary Insurance 2024

Based on the AOW wage: approx. €1,600-€2,100 per year. Payment in one go or in instalments. Note: only full calendar years possible.

Westland Practice Examples

Example 1: Horticulture Entrepreneur
Pieter (65) from 's-Gravenzande has run a tomato nursery for 40 years without AOW premiums. Missing 10 years. Through voluntary insurance, his AOW increases by 20%.

Example 2: Home Care Parent
Marieke (66) from Naaldwijk cared for her family for 18 years. Fills 15 years via voluntary AOW for a higher benefit.

Example 3: Polish Seasonal Worker
Adam (64) worked 28 years in Westland greenhouses. Fills 22 years to get full AOW pension.

Rights and Obligations AOW Voluntary Insurance

Rights:

  • Application possible until age 67.
  • Increase in AOW benefit after premium payment.
  • Refund upon death (pro rata).

Obligations:

  • Timely premium payment.
  • Application before AOW age.
  • No double AOW receipt (exception bridging).

Comparison: Voluntary AOW vs. Bridging Benefit

Aspect Voluntary AOW Bridging
Purpose Fill missing years Temporary benefit until AOW age
Costs Pay premium per year No premium, income-dependent
Duration Lifelong higher pension Until AOW age

Help in Westland

Juridisch Loket Westland advises free of charge on AOW rights.
Contact SVB for personal calculation.