Payout of Dutch pension in treaty countries

The Netherlands has social security treaties with more than 45 countries, including the US, Australia and Israel, for the payout of AOW pension. In treaty countries, you receive AOW without voluntary insurance, provided you meet the residence or work criteria. The SVB pays out monthly to a Dutch or local bank account, with a supplement for low incomes. No treaty? Then your AOW is halved after 15 years of emigration. In case of double benefits, set-off applies. Application via the 'Apply for pension' form with SVB, with annual proof of life. Taxation: often 2% levy in the Netherlands, plus local. Upon death, it passes to survivors via Anw. Tip: check treaty status on government.nl. Disputes are resolved via SGB procedure. These treaties simplify expat pensions and prevent double contributions.