AOW Voluntary Insurance in The Hague: Prevent an AOW Gap
An **AOW voluntary insurance** provides a solution if you have not contributed the full **50 years** (or **1,040 weeks**) to the **General Old Age Act (AOW)**. In The Hague, you can use this to fill missing periods and secure a full AOW benefit. Contact local institutions such as the District Court of The Hague, Prins Clauslaan 60 or the Juridisch Loket The Hague, Lutherse Burgwal 10 for advice.
What Does AOW Voluntary Insurance in The Hague Entail?
The AOW forms the basis of your Dutch old-age pension from approximately 67 years of age, depending on the premium weeks accrued. If you miss contributions, you will receive a pro rata benefit. With voluntary AOW insurance, you fill these gaps yourself, ideal for residents of The Hague in specific situations.
Particularly useful for:
- Self-employed individuals in The Hague without sufficient AOW contributions.
- Long-term stay-at-home parents from the region.
- Expats and migrants with incomplete years of residence in the Netherlands.
- Workers after AOW age without a benefit.
Legal Basis in The Hague
Regulated via:
- Article 10 AOW: conditions for voluntary participation.
- Decree on Voluntary AOW Insurance: details on premiums and application procedures.
Step-by-Step Plan for Voluntary AOW Insurance in The Hague
Follow these steps:
- Submit application to SVB before your 67th birthday.
- Pay premiums for the missing calendar years.
- Activate benefit from AOW age.
Premium Costs for Voluntary AOW in 2024
Based on the AOW wage: approx. **€1,500-€2,000 per year** (depending on income). Payment in one go or in instalments, always per full calendar year.
Practical Examples from The Hague
Example 1: Hague Freelancer
Pieter (65), 45 premium weeks due to self-employment. Misses 5 years. Voluntary insurance increases his AOW by 10%.
Example 2: Stay-at-Home Mother The Hague
Laura (66), 30 working years, 20 at home. Fills 15 years for higher benefit.
Example 3: International Resident
Ali (64), 35 years in the Netherlands, misses 15. Voluntary top-up prevents gap.
Rights and Obligations
Rights:
- Application up to 67 years.
- Increase in AOW benefit.
- Refund upon early death.
- Timely premium payment.
- Application before 67th.
- No double benefit (except bridging).
Comparison: Voluntary AOW vs. Bridging Benefit The Hague
Voluntary fills gaps permanently; bridging is temporary for workers after 67. Consult Juridisch Loket The Hague for your situation.
Action in The Hague: Start your application with SVB and seek free advice at Juridisch Loket, Lutherse Burgwal 10 or District Court of The Hague, Prins Clauslaan 60.