Conditions for Applying for Voluntary AOW Insurance in Westland

The application for voluntary AOW (General Old Age Pensions Act) insurance in Westland, a municipality in South Holland, follows strict national conditions set by the SVB (Social Insurance Bank). You must be at least 18 years old and not yet have reached the AOW entitlement age. Applications can be submitted up to a maximum of 15 years before your AOW entitlement age, provided there is no overlap with previous mandatory insurance periods. For migrants in Westland, such as greenhouse workers from Poland or Romania, the insurance only supplements missing periods prior to settling in the Netherlands, provided you have lived in the region for more than six months, for example in Kwintsheul or Monster. The premium depends on your income – relevant for seasonal workers in greenhouse horticulture – and is recalculated annually based on the minimum wage. Retroactive applications can be made for a maximum of three years. According to Article 10, paragraph 2 of the AOW, the application must be submitted in writing to the SVB in The Hague, accompanied by supporting documents such as a passport, residence permit, and, where applicable, payslips from Westland-based companies. Rejection may occur if there is insufficient financial capacity or if the period has expired. Local SVB advisors in the region or the Westlands National Past Museum can assist with preparation. Consult a financial advisor in Naaldwijk to calculate whether the premium outweighs the future benefit, particularly given the high cost of living in this horticultural city.