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
- Rob V: I would almost think that almost all Western authors who write a novel with Thailand as a setting all have the same plot
- Rudolf: Quote: What are the current estimated costs of building a house per m². That just depends on what kind of requirements you meet
- Johnny B.G: In the 50s-80s/90s, Dutch regularly grown food also contained poison and yet there are 20% elderly people in the Netherlands and in TH that is also the case.
- Johnny B.G: The interpreter bases himself on a number of sources, but there is of course much more to it. In Isaan since 50-60 years ago r
- rob: On average I stay in Thailand 6 to 8 months a year and enjoy the food there every day. I will never, ever be told
- Eric Kuypers: Robert, do you know how big the Isaan is? Say NL three times, so it makes sense if you give a little bit of direction like the pro
- 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
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: Do I get Thai wife AOW?
Reader question: Do I get Thai wife AOW?
Dear readers,
I am a Dutch man and I am married to a Thai woman. My wife does not work but does not receive benefits either. Now my question is, will my wife be entitled to AOW when she is 67?
Who can give me the answer?
Regards,
Dion
Hi,
You probably mean AOW. (General Old Age Pensions Act). WAO is the Unfit for Work Act.
Everyone who lives or works in the Netherlands accrues state pension.
2% annually. So if your wife lives or has lived in the Netherlands, she will accrue state pension over those years.
Her nationality has nothing to do with that. She will only receive state pension for the years that she actually lives or has lived in the Netherlands.
Best regards. Ray
I think you mean state pension.
AOW is accrued: 2% per year that you live in the Netherlands. So as an example: if your wife has lived in the Netherlands for 20 years on her retirement date, she will receive 20 years x 2% = 40% of the state pension.
If your wife lives legally in the Netherlands, she accrues 2% AOW per year. If you live in Thailand, she is not entitled to state pension. Years that your wife would have lived in the Netherlands means the number of years of 2% state pension per year.
Being a resident of the Netherlands, legal resident that is, is important. It doesn't matter whether you work or not, receive benefits or not. Being a legal resident in the Netherlands is the requirement. From the age of 15 you accrue state pension at 2% per year.
In the past, only the man accrued AOW and a married couple received AOW when the man reached the age of 65, even if the wife was older. Fortunately, that was abolished years ago.
The AOW accrual period has changed from 15 to 65 to 17 to 67.
This means that the majority of emigrants have lost 4% state pension.
Why should she be entitled to a disability benefit??? I assume you mean state pension. AOW is accrued by everyone who lives in the Netherlands and is registered in the GBA. As soon as one is deregistered from the GBA, the AOW accrual also stops.
If you deregister from the GBA and you are a Dutch citizen, you can choose to deposit that 2% yourself every year. You must make this known within a reasonable period of time, otherwise that option will lapse. This was a piece of cake until the mid-90s. But after that, the state pension premiums have increased considerably and this has become a fairly expensive affair. One of the reasons why expats who leave earlier keep a PO Box address in the Netherlands. Then the AOW accrual will cost them nothing because on paper they have not yet left. has the disadvantage that you have to show your nose every year in the Netherlands for your health insurance, but the costs of a ticket do not outweigh the costs of the AOW premium.
That "nose" must be present in the Netherlands for 4 months, otherwise it will fall on his nose during a check!
Hi Dion,
There is a very simple answer to this: for every year that your wife lives in the Netherlands and is actually registered there, she has accrued 2% AOW. So if she lives in the Netherlands for 10 years and then returns to Thailand, she will also receive 10 x 2 = 20% AOW there.
If, on the other hand, she continues to live in the Netherlands, she (and your 50% state pension) will be supplemented to social assistance level.
“On the other hand, if she continues to live in the Netherlands, she (and your 50% state pension) will be supplemented to social assistance level.”
Only applies if you do not have a supplementary pension, otherwise that flyer will not work.
In my opinion, you only accrue WAO if you live in the Netherlands. Between the ages of 15 and 65, 2 percent every year. My Thai wife lived in NL from her 20th to her 50th. So for that period, she has accrued 60 percent of her disability benefits. Now that we live in Thailand, she won't build anything if you don't take action. So through my accountant we have submitted an application to the tax authorities whether she can continue to accrue her pension. This is possible if she pays an annual income-related premium. That is about 500 euros for her. I think that agreement is valid for 10 years. If she is not yet 65 then there is the possibility to apply for an extension.
It must of course be state pension.
Peter, paying 6000 euros per year in AOW premium (10 years? 60.000 euros?), with the following uncertainties/possible events:
– will the Dutch government still pay a solid state pension to your wife in 10-20 years?
– maybe your wife dies at the age of 70, then she benefits for 3 years… tssss and that for an investment of 60.000.
– perhaps the Dutch government will decide that the AOW will depend on the level of prosperity in Thailand (in this case).
With that 60.000 euros, it is better to buy a condo for your wife in a good location in BKK, so that she can rent it out and collect an inflation-proof income from the date of purchase, thereby supplementing her future half state pension to a full one. And after her death it goes to any children.
Or you put that 5000 euros per year in a diversified investment fund and let your wife benefit from it after she turns 67.
But giving away 5000 euros a year with an uncertain outcome…. never, never. Prefer self-management!
525,- per year, not per month.
Based on the lowest possible rate
Mistake on my part. This is because I inquired about this myself, after which I was told that I had to pay about 600 per MONTH to continue to accrue state pension. I thanked you for that and I now invest that money myself.
525 a year is a gift!
Hello
Your Thai wife is entitled to state pension, but not the full state pension
She will receive a full state pension when she has lived in the Netherlands for 40 years
For example, if she stays in the Netherlands for 20 years, she will receive 50%
In this way you can calculate yourself what she is entitled to
Peter
This is a wrong calculation how many years she resides in NL is irrelevant eg your reasoning 40 years in NL IS 100% NOT TRUE OF COURSE this is then 80% and 20 years is then 40% and not 50%.
If your wife lives in the Netherlands, she will from that moment on receive 2% per year accrual of the state pension. So if she is 35 years old when she arrives in the Netherlands, she will continue to accrue 32% state pension for another 2 years. But ! You can purchase hair from the AOW for the years from 15 years to 35 years. You will then receive a settlement offer. Payable via an installment plan over 5 years or the total amount in one lump sum. You can only buy in if you indicate that you wish to do so within a reasonable period (I think 5 years) after settling in the Netherlands. After that period, this option expires. If you are married to a Thai woman and your wife is younger than 65 and you will be 65 before mid-2015, you will still receive the partner allowance (the kitchen allowance). If you turned 2015 after mid-65, this has also expired and your partner is expected to start working and you will only receive half the state pension if you both live at the same address. You see many people living at 2 addresses, so that the first person to receive a state pension receives a full state pension.
Well,
Now I read that everyone says that “if you live in the Netherlands” you accrue 2% per year.
But I lived in the Netherlands and worked for a Belgian company, but I had the greatest difficulty in getting my 2%.
Gr. Gerrit
The answer depends on the length of your wife's stay in the Netherlands. If she has not lived in the Netherlands, she is not entitled to state pension. It is a right that you personally build up during the years that you live in the Netherlands. The amount then depends on your family situation. Living together or not.
If she lived in the Netherlands from the age of 15, she will receive 100% AOW. For every year that she lived less in the Netherlands from the age of 15, 2% is deducted.
If you received a state pension before 01012015 and she is younger than you, you can apply for a state pension supplement at the SVB.
Dear Dion,
That depends on the question of how long she lived in the Netherlands and therefore fell within the circle of compulsory national insurance (including the AOW). If the state pension age of 67 applies to her, she would have accrued 17% of state pension rights per year for each year after her 2th birthday. If she has not lived in the Netherlands after her 17th birthday, she is not entitled to an AOW benefit
The fact whether she worked here or received benefits and therefore paid state pension contributions is irrelevant. You build up rights just by living in the Netherlands.
Whether or not your wife works or receives benefits is irrelevant. The starting point for receiving state pension is whether rights have been accrued before the commencement date of the state pension age. Your wife accrues/has accrued 15% in rights for each year that she legally resides/has resided in the Netherlands after the age of 2. You provide little information, so it is not clear whether your wife actually lived in the Netherlands or where she/you currently live. If your wife has a Dutch Citizen Service Number, it is simple to check with the SVB what her AOW rights are, if any. The accrued rights also apply in the event of a (definite) departure to Thailand, before or after the AOW commencement date.
You will find all the information on the SVB website
Here is a small excerpt of this, your partner must have lived in the Netherlands.
Who gets state pension
The AOW (Algemene Ouderdomswet) is a basic pension from the government. Everyone who has reached state pension age and lives or has lived in the Netherlands is entitled to this. You will receive the AOW pension from the SVB from the day you reach state pension age. It does not matter in which country you live.
The simple fact that a foreign woman (Thai) would live in the Netherlands together with a Dutch person would entitle her to an AOW benefit of 2% per year that she lives in the Netherlands until her AOW age.
It could very well be that she accrues this right based on the work she does in the Netherlands.
The Dutch AOW pensioner with a younger Thai relation receives a negative supplement, so not € 1050,=, but a lower amount, depending on the SVB calculation model applied before or after 2015.
The younger Thai is considered to be able to work and if necessary. to supplement income.
If both have reached a state pension age, then other calculation models apply.
But absolutely no “Count your rich model!
Hi Dion,
Depends. If she was registered in the Netherlands from the age of 15-65, she will receive 100% AOW. For every year that this is not the case, 2% will be deducted.
example. If your wife has lived in the Netherlands from the age of 40 to the age of 67, she will receive (25 years x 2%) = 50% of the AOW amount.
However, I do not know how the new calculation is now due to the extension of the state pension age. As far as I know, the social insurance bank still charges 2% per year.
barry
The state pension age has changed. That is why the starting date of your rights accrual also shifts.
So I don't think you can immigrate at the age of 65 while maintaining 100% state pension accrual.
Just assume that the rules of now are temporary, when there is a new cabinet. In 20 years time, rules will probably have changed again and they will probably not be in favor of you and me. Gr. Hank
Dion,
Lammert de Haan's answer is the best I've read so far.
He is therefore a tax advisor.
The age at which someone is entitled to state pension will depend on the average life expectancy in the Netherlands.
In the run-up to this, the state pension age will be raised at an accelerated rate. (I am now 61½ and expect to be entitled to state pension at 67½.)
In the 50 years prior to the state pension age, everyone who is registered in the BRP (formerly GBA) accrues 2% state pension rights per year.
In order to remain registered in the BRP, you must have lived in NL for at least 365 days in the last 121 days. If you stay abroad for longer, you are legally obliged to deregister.
If you lived in NL for 50 years prior to the state pension age, you have accrued 50% state pension rights (2 years x 100%/year =).
If you then live alone, you are entitled to a gross AOW amount of 70% of the gross minimum wage (BML).
If you then live with an adult, you are entitled to a gross AOW amount of 50% of the gross minimum wage.
For someone who has been registered in NL for 10 years, 70% BML x 10 years applies. x 2%/yr. = 14%BML resp. 50%BML x 10yr. x 2%/yr. = 10%BML.
If a household in NL has an income below social assistance level and has no equity, a supplement to social assistance level can be obtained.
As mentioned in previous responses, you can indeed supplement the AOW deficit with extra income-related premium payments.
If you start living abroad after your state pension age, the state pension will continue to be taxed in the Netherlands and you will no longer receive a tax credit, but no ZVW premium will be withheld either. You will not receive a supplement to the level of assistance.
Take a look at the website of the SVB for information that is relevant to you.
https://www.svb.nl
I have never realized that before, that with the increase in the state pension age, the starting age of accrual is also increased. For me personally, this means that I will receive less than expected, since my initial accrual will expire, while I did live in the Netherlands during those years, and later years I lived abroad.
Someone who settles in NL can buy into the state pension and then still receive a 100% state pension. You must make this known within a reasonable period of time after you have come to live in the Netherlands. This is completely absent from Lammert de Haan's answer.