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Home » Reader question » Reader question: What about AOW for a Thai woman who has lived in the Netherlands?
Dear readers,
I have a question about the AOW. I am authorized by my old Thai neighbor who has lived in the Netherlands for 28 years with a Dutch man. Husband has died and Mrs has returned to Thailand.
She has therefore accrued 56% state pension in the Netherlands (2% per year). Now lives in Thailand her elderly mother also lives with her. She has no income at all and my neighbor takes care of her.
Do I have to declare that mother as a partner and does this affect the AOW benefit that I apply for for my elderly neighbour? Who can help me?
Everywhere on the SVB site, people are looking for a partner who is younger or who is Dutch-related, but can't find anything about an older mother without her own income.
Yours faithfully,
jaris
Dear Yaris,
Your neighbor will have to report that she runs a joint household, so she does not live alone and she will have to demonstrate that the mother has no income of her own and that the mother is technically a partner according to the letter of the law, they live at 1 address.
In the Netherlands and for everyone who uses Dutch facilities, the Dutch rules apply and your old (ex, sounds a bit better) simply has a reporting obligation and the burden of proof lies with her.
I would definitely follow the rules or at least contact this question, if the SVB finds out they could get into serious trouble and even in Thailand they have the possibility of control.
If the mother has no demonstrable income of her own, this will probably have no consequences for her benefit, especially given that it is very low (56%)
Yours faithfully,
Lex K.
56% state pension -2% deduction for every year that she lives in Thailand before 67 years!
maybe better to apply for aow as a single person!
must have mother registered somewhere in another house, as inspections can be carried out in Thailand!
50+% of single state pension better than 50+% of cohabiting state pension
leo
Leo Pek,
“…56% state pension -2% deduction for each year that she lives in Thailand before the age of 67!…”
Would you please explain this to us?
I built up 82% AOW in NL because I emigrated when I was 55. Now, as a 67-year-old, I have that 82% state pension and did not receive an extra discount on top of it. Isn't the AOW exclusively related to the years spent or insured in the Netherlands?
In Thailand, mother lives with one of the children. Mother is at a very advanced age when the widow now starts applying for state pension. Mother will be at least 80. You don't let them live alone, do you? Because actually living alone is the criterion, not being registered. By the way, in Thailand, 'being registered' is a completely different concept than in the Netherlands. House books, autographs, nothing but misery and that at that age?
Jaris,
you do indeed have to specify that she lives with her mother, however… this has no influence whatsoever on her state pension. After all, she lives with a NON-AOW entitled person (at least I assume that mother has never lived or worked in the Netherlands). Even though her mother lives with her, she still receives the state pension for a single person. Mothers are not entitled to an AOW, so they are NOT entitled to an AOW and are therefore not regarded as a housemate for the amount of the AOW!
Ko,
I think what you say is completely wrong. The SVB has nothing to do with whether or not that mother receives an AOW benefit. Criterion is living together and sharing costs. The fact that mother only contributes a tip is irrelevant for Dutch law.
Incidentally, it is true that until April 1, 2015, a supplement can still be received!
The condition is AND you already officially cohabit before that date, AND you are entitled to the AOW pension before that date.
And yes, there are real checks in Thailand, your neighbors are also asked about the actual situation.
Jasper, the AOW (other than WAO, WW, etc.) is completely separate from any other income. Even Princess Beatrix receives AOW in addition to her state income. Discounts on AOW are (currently) only applied if you live together with another AOW recipient. So even if that mother is a multi-millionaire, that neighbor retains her right to state pension! And because that mother will never receive AOW herself, the AOW applies to a single person! It goes without saying that people want to change this, but it is not yet the case (for a long time?)!
Funny to see this discussion again. Because about 2 months ago I asked the SVB in Roermond (where the Thai files are handled) whether I, if I were to live with my Thai girlfriend with only a right to “Thai AOW” as an old-age pensioner (THB 600.–/month, so peanuts), whether or not I am entitled to single state pension. No clear answer followed and subsequent discussion eventually ended with the very "surprising" solution that we could apply for assistance anyway. That is advice from our SVB, while everyone knows that you cannot claim social assistance abroad!
So if you know a correct answer for this specific question, I'd like to be recommended, because apparently the SVB doesn't know it either.
I can imagine the ambiguity of the SVB. It is not clear from the first part of your question where you want to live together. If that is NL, she will immediately be entitled to AOW and will therefore fall under a different scheme, including any assistance. If that is in Thailand (shown in the 2nd part of your story) and she has never lived or worked in the Netherlands, it is absolutely irrelevant what income she has. She is not entitled to Dutch state pension, so you will receive a single state pension!
Indeed, I could have been more clear by mentioning that I want to live in Thailand. But that was certainly clear in the discussion with SVB. That's why I found the "advice" of SVB that I will later possibly. could apply for assistance in Thailand, shocking to say the least. In any case, thank you for your answer and I will personally ask SVB Breda, where I live nearby, to get more certainty from them as well.
I don't understand all those stories. My wife lived in the Netherlands for three years and I went with FPU at the age of 61 and immediately to Thailand. Reported this to the SVB. So I was cut 8%. The letter from the SVB neatly stated what my wife was entitled to if she ever reached the age of 65 to which she was entitled.
Also neatly rounded up. Nowadays there are minimum amounts that they no longer pay out.
When my wife turns 10 in 65 years, they will no longer pay that out. I do not understand why someone is authorized to represent a neighbor who has lived in the Netherlands for 28 years and still normally lives there
received all papers from the SVB at home.
28 years old in the Netherlands and still don't understand anything about the papers and can read a little Dutch.
Incomprehensible to me.
Cor, then your wife has her own right to AOW of 6 or 8 percent (if the years are rounded up) and because you have AOW before the date 1 January 2015, you also have a partner allowance for your wife, in years from the moment from cohabitation and your state pension date until your wife turns 65 and receives her own state pension!
You keep that partner allowance, but you lose it when your relationship with your wife ends, not to be hoped, and then you will no longer receive that allowance for a possible next partner, at least if this takes place after 1 January 2015, the date from which this partner allowance will be canceled for new cases.
Cor, I know countless people who were born and raised in the Netherlands and who don't understand a single bit of official letters, forms, etc. Let alone that they can fill them out. In the Netherlands you have all kinds of agencies that can help you, such as social counsellors, legal centers and the trade union, which helps you with a tax return. The evidence that native Dutch people do not know it either appears from the variety of answers to the present question. Perhaps the deceased husband of the Thai woman in question has always done all financial matters and administration himself without ever informing his wife about this. So think it's very good of Jaris to assist his former neighbor. Hope you can understand that too!
Just enter into a commercial relationship - so no hassle with the SVB and the others who like to interfere
agencies Simply take out capital insurance without government interference