Survivors' pension via Anw insurance in Westland

The General Survivors Act (Anw) provides survivors' pension upon death, comparable to the voluntary AOW insurance. For partners and children in Westland, you supplement missing years to qualify for Anw benefit (max. 70% of AOW). Essential for greenhouse workers, glasshouse horticulture entrepreneurs, stay-at-home parents, and expats in the Westland region without automatic accrual. Premium: €20 per month plus variable part, total approximately €250/year. Application via SVB up to 15 years before AOW age. Legal basis: Anw article 12 and Anw Decree. Benefit: partner receives 70% AOW if the deceased was fully insured; children 20-30%. Retroactive up to one year. Advantage: low costs, lifelong for children until 18 years. Disadvantage: no indexation on partner benefit. Alternative to AOW: prioritise Anw for young Westland families in villages such as Naaldwijk, Monster and Kwintsheul. Example: supplementing 10 years costs €2,500, yields €10,000+ upon death – crucial for seasonal workers in horticulture. Combine with partner pension in disability insurance, often necessary for physical work in Westland glasshouse horticulture. Check via SVB personal budget or local advisors in 's-Gravenzande. This way, you financially protect survivors against risks in this agricultural region. (218 words)