The IOAW (Income Provision for Older and Partially Disabled Unemployed Persons) provides financial support to older unemployed persons in Westland who no longer receive unemployment benefits (WW). Unlike social assistance, your assets do not play a role in this.
What is the IOAW?
The IOAW is a scheme for employees who meet specific criteria:
- Born before 1 January 1965
- Became unemployed after their 50th birthday
- No longer entitled to WW
- Have not yet reached state pension age (AOW)
IOAW versus social assistance: the differences
| Criterion | IOAW | Social Assistance |
|---|---|---|
| Assets test | No test | Test applies |
| Owner-occupied home | Not taken into account | Taken into account above exemption |
| Savings | No influence | Must be depleted above exemption |
| Benefit amount | Equal to social assistance | Equal to IOAW |
| Obligation to apply for jobs | Yes | Yes |
How much IOAW benefit do you receive?
The IOAW benefit corresponds to the social assistance standards:
- Single: € 1,281 net per month (2024)
- Single parent: € 1,281 net per month
- Co-habiting/married: € 1,830 net per month jointly
Any income from yourself or your partner is deducted from this amount.
Conditions for IOAW in Westland
- You were born before 1 January 1965
- You became unemployed after your 50th birthday
- Your WW entitlements have been fully exhausted
- You have not yet reached state pension age (AOW)
- You reside in the Netherlands, specifically in the Westland region
Frequently asked questions about IOAW
Am I required to deplete my savings for IOAW?
No, under the IOAW, no account is taken of your assets. You do not need to draw on your savings or home.
Do I have a job application obligation under IOAW?
Yes, even with an IOAW benefit, you are required to actively seek work and cooperate in reintegration programmes.
Can I apply for IOAW while still receiving WW?
No, you can only apply for IOAW after your WW benefit has ended. Submit your application in good time, ideally 4 weeks before the end of your WW.
Additional questions about IOAW in Westland
Who qualifies for the IOAW benefit?
You qualify if you were born before 1 January 1965, became unemployed after age 50, no longer receive WW, have not yet reached state pension age (AOW) and reside in the Netherlands, for example in Westland. This scheme supports older unemployed persons who would otherwise be without income.
How do I apply for IOAW and what is the processing time?
The IOAW application is handled via the Social Insurance Bank (SVB). Submit it no later than four weeks before the end of your WW. The SVB will assess your request and usually decide within 8 weeks. Ensure you have documents such as your WW decision and ID ready.
Does my partner's income count towards IOAW?
Yes, your partner's income is deducted from your IOAW benefit. This applies to salary, pensions or other benefits. However, your partner's assets do not play a role, which is a major difference from social assistance.
What if I find work while receiving IOAW?
If you find work, report it immediately to the SVB. Your IOAW will be adjusted or terminated based on your new income. In paid employment, you may build up new WW entitlements again. If you work less than 12 hours per week, you may sometimes retain part of the IOAW.
Can I receive IOAW if I own my home?
Yes, owning your own home is no obstacle to IOAW. Unlike social assistance, your home is not taken into account, so you do not need to sell or mortgage your house to receive the benefit.
What to do if my IOAW application is rejected?
If rejected, you will receive a decision with an explanation from the SVB. You can lodge an objection within six weeks. Clearly explain in your objection why you disagree. Consider legal assistance, for example via the Juridisch Loket Westland.
How long do I receive IOAW?
The IOAW continues until you reach state pension age (AOW). The benefit stops automatically in the month you become entitled to AOW. As long as you meet the conditions, such as the job application obligation, there is no time limit.
Relevant institutions in Westland:
- Court: District Court of The Hague (district)
- Legal aid: Juridisch Loket Westland