Welcome to Thailandblog.nl
With 275.000 visits per month, Thailandblog is the largest Thailand community in the Netherlands and Belgium.
Sign up for our free e-mail newsletter and stay informed!
Newsletter
Language setting
Rate Thai Baht
Sponsor
Latest comments
- RonnyLatYa: Yes, I say that Kanchanaburi is just an example and that you can change that. You can also do this on the web page itself and then see
- william-korat: In the dry period the line is bottom of Bangkok and lower and east of that to just above Khao Yai National Park usually we
- Eric Kuypers: If you change the command line, such as https://www.iqair.com/thailand/nong-khai, you will get a different city or region. But you
- Cornelis: Well, GeertP, I am absolutely not a 'Brussels sprouts supporter' or THE Red Brand addict, but that does not mean that I don't like the Thai cuisine.
- Rudolf: It depends on what you are looking for in Thailand, but to be honest you don't have much choice in my opinion. The big cities are falling apart
- RonnyLatYa: Also take a look at this. https://www.iqair.com/thailand/kanchanaburi Also scroll down a bit and they will also give you some explanation
- Peter (editor): I also enjoy the Thai food and yes, the price is very attractive. But it's just a fact that Thai farmers are unbelievable
- Jacks: It is best to go in the period November to February. Someone with asthma should absolutely not come here from March to May
- GeertP: Dear Ronald, I completely agree with your story, I also enjoy Thai cuisine every day and even after 45 years of Thai
- Eric Kuypers: Wilma, bad air is not in all of Thailand. Thailand is more than 12x the Netherlands! These are the big cities (traffic) and some
- Pjotter: kopi luwak regularly bought and drunk in the Netherlands. Usually only available some time before Christmas. You get the best coffee taste
- Jack S: Oh dear…. Except for the fact that I also start the day with a coffee, everything is different for me... my coffee is just a
- hans: Tastes differ, but this just looks beautiful.
- Lenaerts: Dear, I went to immigration yesterday to apply for a retirement visa, very friendly people and they helped quickly
- Aad: I buy my coffee at Lotus. Add a teaspoon of that coffee to warm water and enjoy
Sponsor
Bangkok again
Menu
Arrivals Bangkok Airport
DOSSIERS
Learning objectives and topics
- Background
- Activities
- Advertorial
- Agenda
- Tax question
- Belgium question
- Sights
- Bizarre
- Buddhism
- Book reviews
- Column
- Corona crisis
- The Culture
- Diary
- Dating
- The week of
- Dossier
- To dive
- Economy
- A day in the life of…..
- Islands
- Food and drink
- Events and festivals
- Balloon Festival
- Bo Sang Umbrella Festival
- Buffalo races
- Chiang Mai Flower Festival
- Chinese New Year
- Full Moon Party
- Christmas
- Lotus Festival – Rub Bua
- Loy Krathong
- Naga Fireball Festival
- New Years Eve celebration
- Phi ta khon
- Phuket Vegetarian Festival
- Rocket festival – Bun Bang Fai
- Songkran – Thai New Year
- Fireworks Festival Pattaya
- Expats and retirees
- state pension
- Car insurance
- Banking
- Tax in the Netherlands
- Thailand tax
- Belgian Embassy
- Belgian tax authorities
- Proof of life
- DigiD
- emigrate
- To rent a house
- Buy a house
- In memoriam
- Income statement
- King's day
- Cost of living
- Dutch embassy
- Dutch government
- Dutch Association
- News
- Passing away
- Passport
- Retirement
- Drivers license
- Distributions
- Elections
- Insurance in general
- Visa
- work
- Hospital
- Health insurance
- Flora and fauna
- Photo of the week
- Gadgets
- Money and finance
- History
- Health
- Charities
- Hotels
- Looking at houses
- Isaan
- Khan Peter
- Koh Mook
- King Bhumibol
- Living in Thailand
- Reader Submission
- Reader call
- Reader tips
- Reader question
- Society
- marketplace
- Medical tourism
- Environment
- Nightlife
- News from the Netherlands and Belgium
- News from Thailand
- Entrepreneurs and companies
- Education
- Research
- Discover Thailand
- Opinions
- Remarkable
- Calls
- Floods 2011
- Floods 2012
- Floods 2013
- Floods 2014
- Winter prices
- Politics
- Poll
- Travel stories
- Travel
- Organizations
- Shopping
- Social media
- Spa & wellness
- Sport
- Cities
- Position of the week
- The beach
- Language
- For sale
- TEV procedure
- Thailand in general
- Thailand with children
- thai tips
- Thai massage
- Tourism
- Going out
- Currency – Thai Baht
- From the editors
- Real estate law; and
- Traffic and transport
- Visa Short Stay
- Long stay visa
- Visa question
- Flight tickets
- Question of the week
- Weather and climate
Sponsor
Disclaimer translations
Thailandblog uses machine translations in multiple languages. Use of translated information is at your own risk. We are not responsible for errors in translations.
Read our full here disclaimer.
Royalty
© Copyright Thailandblog 2024. All rights reserved. Unless stated otherwise, all rights to information (text, image, sound, video, etc.) that you find on this site rest with Thailandblog.nl and its authors (bloggers).
Whole or partial takeover, placement on other sites, reproduction in any other way and/or commercial use of this information is not permitted, unless express written permission has been granted by Thailandblog.
Linking and referring to the pages on this website is permitted.
Home » Reader question » Reader question: Can I apply for a supplement to my state pension?
Dear readers,
I will retire in 1 year and then I will live in Thailand for 6 years. Receive 12 percent less state pension and have not accrued any pension. I have been married for 13 years to a Thai woman in the Netherlands and Thailand, so I will soon only receive 680 euros.
My question is, can I request a supplement or allowance somewhere?
Regards,
Jan
If you do indeed live in Thailand, you are not entitled to any supplement.
Your living situation is not entirely clear to me, but it seems that you live and work in Thailand.
In that case, your wife will probably never have lived in the Netherlands and will not have accrued AOW rights before she becomes entitled to AOW.
Your AOW benefit may be even lower than you think if you have not taken into account the fact that the AOW accrual has been adjusted from 15 to 65 to 17 to 67.
At the front, the government has therefore deducted 4% accrual, which you have not added at the back, because you live in Thailand.
You would then receive 16% less AOW.
If you don't have a fat piggy bank, I'm afraid your only option is to go back to the Netherlands.
Or continue working after your retirement of course, but then you have to collect enough money to keep the immigration happy.
Your wife may also have to go to work.
It seems to me, however, that you will be confronted with forced return at some point in the future.
Dear Ruud,
Mijnheer has been married to a Thai woman in the Netherlands for 13 years.
Now he lives in Thailand for 6 years.
Unfortunately, there is no reason for this gentleman to receive an extra surcharge from
the Dutch government because he lives in Thailand.
No, my wife does not work and has lived in the Netherlands for 8 years and she is 21 years younger than me, so I will soon be obliged to go back if I have to believe you
If you live in the Netherlands, you can apply for a supplement from the municipality where you live, so that you reach the minimum social assistance level. In Thailand you have no other Dutch rights.
Also in the Netherlands you don't get a supplement, my friend has the same.
lives with a Thai woman in the Netherlands.
he now retired, and gets about 700 euros because she lives with him, she is 30 years old (very young) in combination he 67).
she has to go to work now, and also works 40 hours.
the only way to receive 1200 euros again is to get a divorce.
or he has to write her out with him, at another address, he has been working on that, he may have done that, but that is a secret, for others, you understand.
Hi Jan,
I cannot answer your question properly.
Try it atkantoor.nl. This is a group of retired civil servants who can advise you for free.
They helped me a few years ago. I hope for your sake they are still active.
Greetings, Leo
Of course you can apply for it, but on what grounds do you think it will be honoured?
When accruing your upcoming AOW benefit, the completion of the full period is taken into account, including the fact that you lived and worked in the Netherlands.
Of course you can NOT make any claim to any additional scheme. The “partner allowance” in the AOW has been abolished many years ago.
And you have been officially deregistered from NL for 6 years, otherwise you would not have been reduced by 12% (6 x 2%).
This was all known in advance!
So first live tax-free here for years, and then complain now that you won't be able to get by on your reduced state pension in the future? Strange though…
I see a thing here.
Someone who takes the step outside the Calvinist Netherlands is seen as an apostate.
Something like "It's good that you think bigger, but yes, it's a pity that it's a bit disappointing and how can we help you" is not in the white DNA
bit of a silly and misguided comment. If you live in a country you have the advantages and disadvantages of that country. If you live in another country, you have the advantages and disadvantages of the other country. Has nothing to do with calivinism or apostasy.
Yes Jan,
you will not like it, but also think about the Thai requirement that you and a Thai woman must have an income of 400.000 baht, otherwise you are not welcome. perhaps this can be solved with visa runs. But whether this is an option for the rest of your life I doubt. Savings in a bank account of 400.000 is also allowed. If you have this stay is not a problem.
Regards Anthony
Back to the Netherlands? And then?
With a reduced old age pension, perhaps deregistered from NL for years and no housing there, no fat piggy bank and the Netherlands a more expensive country than Thailand.
Even in an identical situation.
Please advice.
D.
Inquire at the Dutch municipality where someone is registered about the (rent) allowances and other possible exemptions.
To begin with, you will first have to have a house and therefore be able to be registered before you are eligible for any scheme.
Start at the beginning and register with a housing association or foundation that also rents out social housing. The longer you are registered, the more chance of such a home. If you can temporarily stay with someone and are registered, you can continue from there and ask for urgent social housing via, for example, social work.
Dear Jan, you can't live on that money! Not even in Thailand...(without?) health insurance!
http://www.ouderenombudsman.nl/informatie/234/wat-en-voor-wie-is-de-aio-aanvulling
The amount (net per month without holiday allowance) that the government sets as a minimum income is not the same for everyone. If you have a child under 18 or live with someone else, the minimum income is different than if you live alone. If your joint income is less than € 1.360,13 net per month, you will continue to receive the AIO supplement from us. If your joint income is more than € 1.360,13 net per month, you will no longer receive an AIO supplement.
What are the rules regarding state pension and cohabitation?
http://www.ouderenombudsman.nl/informatie/233/wat-zijn-de-regels-op-het-gebied-van-aow-en-s
For the purposes of the SVB, you live together if you:
cohabit with someone aged 18 or older for more than half of the time and share the costs of the household or take care of each other.
We call the person you live with your 'partner'. This can be your spouse, boyfriend or girlfriend, but also a brother, sister or grandchild.
Someone who lives together receives an AOW pension of 50% of the net minimum
To be eligible for an AIO supplement, the following conditions apply:
your income is lower than 100% state pension.
you live in the Netherlands.
you are entitled to state pension.
you may have a small capital, for example jewelery or some savings.
You may have a small pension, as long as the total falls below the 100% AOW.
What do you have to do? with that income you are entitled to various allowances in the Netherlands!
In the Netherlands can ? and are you still allowed to work… earn something on the side?
Can you still get sick in the Netherlands?
Make a test calculation of rent & care allowance: https://www.belastingdienst.nl/rekenhulpen/toeslagen/
Measuring is knowing...still make a plan
Nonsense, you build up your state pension every spring in the Netherlands. Regardless of skin color or origin. However, you can receive a supplement to your incomplete AOW if you live in the Netherlands and fall below the social minimum. People who, with an incomplete state pension and rent and healthcare allowance, still have so little that they would live in pure poverty. They don't look at your skin color for that addition. It is true that there are many former guest workers, or should we just let them go? These people therefore receive supplementation from Social Security, which also largely explains why immigrants are overrepresented as Social Security recipients.
- https://www.rijksoverheid.nl/onderwerpen/algemene-ouderdomswet-aow/vraag-en-antwoord/hoe-kan-ik-mijn-aow-uitkering-aanvullen
- http://www.flipvandyke.nl/2014/10/uitkeringen-autochtonen-hebben-er-meer/
I fear that Jan will have to move to the Netherlands in the long term, his girlfriend will have to take an integration exam because she is not yet 65+. Here in the Netherlands he can get supplements from various jars. If he lives frugally he can hopefully still buy a return ticket and spend the winter in Thailand.
She is married in the Netherlands to this gentleman and has lived in the Netherlands for 7 years.
Thanks Lodewijk, I had missed the addition of the author or it was not there yet. My comment was directed to a comment that was later removed. My last paragraph was a footnote that is no longer correct with the additional information and that does not meet the quality requirements that should be expected of me.
If his wife has lived in the Netherlands for 7 years, we can assume that she has completed her integration. With the integration diploma in her pocket, she does not have to do this again, but she will have to do the entire TEV procedure (with the exception of the integration at the embassy and in the Netherlands). Or she must be naturalized as a Dutch citizen, which is possible with a Dutch partner after 3 years of living together in the Netherlands. Then they could fly back to the Netherlands together tomorrow if Thailand is no longer an option.
Regardless of your place of residence in Thailand or the Netherlands, you remain without a single allowance. Or they have to divorce and run a separate household where there is clearly no relationship as if they were married. Comments below such as 'divorce and build a second house but sleep together' do not apply. Just look at the piece about AOW that was in the Telegraaf. That man lives in NL, his wife in TH, but according to the government and judge they behave like a couple with a married/real relationship and therefore no single allowance for the gentleman.
https://www.thailandblog.nl/expats-en-pensionado/aow-gekort-na-huwelijk-met-thaise/
Well dear Rob the last link refers to a married couple. It falls or stands with that. Not married and whether or not together, then the 50% arrangement of the AOW applies, where both also live. However, as an unmarried person, if both have their own house(s) and therefore both bear the costs of their own home for this, you can rely on the 2-home scheme and then the AOW pensioner will receive the AOW for single persons.
https://www.svb.nl/int/nl/aow/tweewoningenregel/index.jsp
So there is a difference between being married or not because in the example in your link both have an independent house but are married.
As a single person who uses the 2-home scheme, you can also be together and receive the AOW for single people. After all, a single person has more housing costs and is compensated for this.
Your state pension will be reduced by 12%, as you say yourself, and you will receive the 50% benefit because you live with your spouse. You can no longer apply for partner allowance after 1-1-2015, those rights have expired for you. Your wife is still too young for state pension.
So your gross state pension will be 88% of 843,78, which is 742 euros gross and the payroll tax will still be deducted from that. I think your net of 680 euros is correct. And that's it. With vac money that is barely 3 tons of baht per year, so you do not get an extension on income. You will have to have and keep 4 tons in the bank. In addition, you have to get by on about 25.000 baht per hour on average and whether that works depends on your personal circumstances.
You don't write what you live on now; possibly from assets and I hope that piggy bank is still well filled otherwise skimpy hans will become kitchen master. And then you can't get sick!
Jan, in the Netherlands you can get the allowance, but a younger woman must make herself available for work and then you are entitled to a married person's standard with partial deduction of income that your wife can earn.
In Thailand, your wife could start her own shop or something like that and supplement her income that way. Health insurance will cost you a bite of income. It's hard to live on 22000 baht a month for two people
Was the questioner not aware that one can voluntarily continue to pay the premium for the AOW for a period of 10 years?
I also did that, so during my 14 years of permanent residence here in Thailand, I was only 4 years short, so 8% less AOW.
The questioner has lived in Thailand for 6 years, so if he had made use of this scheme, he could have voluntarily paid contributions for 6 years and would now have 100% AOW.
Jan Beute.
With that 100% I mean, to avoid misunderstandings, 100% of half because you live with a partner.
Jan Beute.
Dear Jan and reader,
If your wife has lived in the Netherlands for 6 years, she will receive 12 percent state pension in due course.
Sincerely, Peter Yai
Wife is 21 years younger than Jan, before Jan has reached his wife's state pension age, Jan will not benefit much from that.
An option for you is divorce in the Netherlands, then you will receive more than 300 euros per month more
……and his wife has to fend for herself? Because if he continues to live together after the divorce, he will not receive that 300 euros either.
Then you will rent a house cheaply for yourself,
then you no longer live together and you immediately receive a lot more state pension.
I only get 52 % later , but then I have more ,
than 2 times as much as what I now use per month .
Good , I do have that 8 tons in the bank for Immigration .
I plan to be in the garden here when I'm 65
build a small house for around 100.000 baht,
in my name, then I get 200 euros more per month
and those 100.000 baht are back in so quickly
and for the rest of my life I have 200 euros more per month.
This is completely legal , and I can sleep with my wife .
Adding a house but continuing to live together at the same time - the SVB might look at that differently than you think ...
Dear Chris from the village,
If they come to check and, based on what they see, conclude that you actually run a joint household, you may (re)pay the overpaid benefit of at least 3 years plus a hefty fine.
So: look before you leap.
For the 2-home scheme, see: https://www.svb.nl/int/nl/aow/tweewoningenregel/index.jsp
When I follow the link and fill in everything I get a virus message…..
But it does contain a few requirements that lead to a different conclusion than 'I will add an extra house'. That extra house will officially have to have its own house number, a connection with a meter to electricity and water, and you will have to be registered 'with the municipality', whereby the SVB completely ignores the registration system in other countries such as Thailand. If you don't give this plan 'substance' you won't make it. They pierce through it.
And then the question of how the partner manages without income. Pay attention, there are bears on the road here.
On my tablet, I sometimes get this message in Chrome when I connect to (semi) government sites in the Netherlands. Select advance and you will see the official website of SVB.
The SVB site works fine in Chrome. But if you fill in the two-home scheme in your link and go through it all the way through, it will send you elsewhere for an answer. And there I get a Norton360 message of 'dangerous site'. Then I quit.
Strange indeed, I see my link says “https” connection and also svb.nl, that is fine. Sometimes I get the message that the site is not safe, but then I just continue because I know that the sites are reliable (SVB, Tax Authorities, etc.). I think it is something in Chrome that some sites are not recognized as official (only in Thailand?). Maybe Peter knows why.
The SVB considers that house in the garden as the premeditated intention to mislead the business and then you will not get that. That small house is considered to belong to the residential domain.
Yes and no. Depends on whether that house has its own house number, utility connection, exit to the public road and more. It has to be 'real' and not a garden house where you can't actually live. You have to give them a living in Thailand who live on someone else's property and sometimes so close together that they have to discuss who will open the window today ......
The underlying intention is not SVB's concern; you don't divorce anyone for jan joker! That is a serious matter and that decision should be respected. Incidentally, in addition to divorce, living permanently separated is also possible, but there are also conditions before you are considered single as discussed here.
It's about the FACTS; not for suspicions.
We have already discussed this permanently separated life and the 'living their own life' by both divorced partners. Even in a completely separate household, there may be a circumstance that frustrates the right to the single person's benefit.
See the link to the SVB site I have provided. This is the entry in this blog: https://www.thailandblog.nl/expats-en-pensionado/aow-gekort-na-huwelijk-met-thaise/
The topic starter may be able to change something if he enters into a commercial relationship with the partner after a formal divorce or permanent separation; one or more regular readers here is (were) in such a situation and has/have the single benefit.
But again, it's about the FACTS about both living situations and the financing thereof. If one of the stakeholders has no income or proper assets and is therefore dependent on the other, then forget it.
For the record .
I'm not married, but I just call her my wife!
There is a large garden around her house, several areas, so there is plenty of space.
That house has its own entrance,
its own electricity and water connection and its own house number
and the land is rented.
There will be a bed for 1 person and all my stuff.
And toilet and a little chick.
And I'm going to register that too.
You can see it already, I've thought it through
and I think that in this way there are no problems .
It's like having a condo in your name and living there alone.
Where I sleep is my business!
And married or not married makes no difference. It is about having a joint household and if you want to have an additional house, it is free, but the SVB will not finance that.