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
- 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
- Berbod: Beautiful story Lieven and recognizable in many ways. In recent years I have been drinking coffee from the Boloven plateau in the South
- Jos Verbrugge: Dear KeesP, Would it be possible to provide the details of the visa office in Chiang Mai? Thanks in advance
- Rudolf: The distance from Khon Kaen to Udon Thani is 113 km. You don't need an HSL or airplane for that. You can do that with one
- Chris: It is a matter of long-term thinking: - petrol prices will undoubtedly continue to rise in the next 20 to
- Atlas van Puffelen: The isan is like a beautiful young woman, Clouseau, There she goes, sang a similar insight. Fantastic to walk next to it, m
- Chris: Rich elite? And if that train ticket costs the same or less than a plane ticket (because of all the extra environmental taxes).
- Eric Kuypers: Immigration and customs have to go in somewhere and get out again later, so I expect Nongkhai and Thanaleng at the stopping points. There is
- Freddy: Then unfortunately the salespeople who make a train journey so much fun will be over..
- Rob V: That's why I actually only wanted to keep Khon Kaen on my beermat, provided the train does at least 300 km to get a full stop.
- RichardJ: Sorry, Erik. You cannot dismiss a critical attitude towards these types of mega projects with a catch-all such as “setting up...
- Rudolf: The poorest are indeed coming out of the valley very slowly – at least in the village where I live. And the money usually comes from
- Sander: In Thailand too, forces will eventually come into play that will say 'take the train instead of the plane'. So oo
- Rob V: Will Lieven, as a coffee snob and with a nod to his surname, be tempted by a cup of coffee with beans that have been roasted first?
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: Bridging in Thailand until my retirement and state pension
Dear readers,
First of all I would like to thank you all for your contribution. I recently became a member (8 months) and I owe you a lot. I am 62 years old and I now have questions of my own that are of great importance to me.
I will receive my pension as of 01-01-2020 and my AOW as of 02-12-2021. I want to stay in Thailand with my girlfriend in her house during the 2-year bridge.
- What should I do? Have me deregistered and when the 2 years have passed have me registered again for an AOW application?
- Can I keep my rights if I have my address in the Netherlands with my daughter to keep my health insurance?
Dear people, do you have an excellent and smart solution for me to achieve it?
Thank you very much in advance to all of you.
Greetings,
Roy
Hello.
If you deregister from the Netherlands, you will lose 2% of your state pension per year. That first.
you can also do it differently. Just go to Thailand and make sure that you return to the Netherlands before the eight months are over. (Officially you have to deregister yourself if you are abroad for more than 8 months) This allows you to keep your insurance. Many people come back to the Netherlands once a year anyway. And if you buy an open ticket in the Netherlands instead, it is also cheaper. However, you still have to look at how to arrange your visa
Succes
Remain registered in NL. You pay tax, national insurance, health insurance and are entitled to a tax credit and allowances. Up to 8 months abroad. Then you will soon be applying for your state pension, but you do not have to be registered in NL for this. Arrange your DigiD in good time.
You actually have to be in NL for 4 months and I advise you not to bother with that; the municipality can control and the enemy never sleeps: you are so ratted out. And then you pay back the declared medical expenses outside the Netherlands.
The option 'to be registered with…' is exactly the same as my first sentence above. You remain liable to pay tax and national insurance contributions, but enjoy the benefits of the health care policy.
If you unsubscribe, you will lose the healthcare policy; this is a consideration, THE consideration If that means doing 4+8 then so be it.
Dear Eric. Your advice is also very important to me. Many thanks for this. Greetings. Roy
Bridging 2 years means handing in 2 * 2% of your state pension, or 25 euros per month.
Now let's assume that you turn 80, then you will say and write 25 Euro * 12 months * 15 (years) = no less than 4.500 Euro (for the rest of your life).
How much do 4 return tickets Amsterdam-Bangkok cost (in those two years of bridging time): 2500 Euros perhaps.
How much does housing cost for two years? Rent, mortgage, water, gas and light, property tax????
And what does it cost to miss your loved one for 4,5 months? And what will your lover think if you value money more than being with her?
I knew it. For me life is not about money.
I don't think you need to drop 2% per year. You are no longer working, so you have already paid your state pension in full. And you do not have to pay AOW Premium from your pension benefit.
Sorry Hans, but the type of income someone has is irrelevant, it's all about whether you are still liable for national insurance contributions in the Netherlands, it is really not the case that you are no longer subject to national insurance contributions if you receive a pension benefit.
Anyway, that contribution obligation will lapse as soon as you have left the Netherlands to live and that is Roy's plan.
Nico B
Dear Chris. Thanks for your advice. This idea also plays in my brain. How do you support yourself if, for example, you do not yet receive state pension and can still make ends meet. Do you have a savings and/or your 800000 baht in a Thai bank? I would like to consider your advice further. Thanks in advance and greetings. Roy.
Dear Roy,
I don't know exactly what your talents are, not your girlfriend's talents and I don't know where you want to live. I've been working here for 10 years, so I've already handed in 20% of my state pension and it doesn't keep me awake for a second. In your case I would try to look for a job (not full time) that brings some money and also a work permit and visa, especially as long as you are not officially married. Or setting up a business with your girlfriend in which she works and you are the financier. Fortunately, you have enough time to think about it and look around. Use the networks of your in-laws, but think carefully about the sustainability of the company yourself. Many Thai businesses fail because they think in the short term. Then they quit and start another little business a month later. Sounds dynamic but is not good for your heart and your wallet.
Back to the Netherlands before the 8 months are up? And then hoppa back to Thailand?
Sorry Rienie, but it really doesn't work that way, at least 4 months back to the Netherlands, counting per calendar year and starting on 1-1-2020, that's really not going to work out.
Nico B
Dear Rienie. Thanks for your input, but actually I don't want to go back to the Netherlands at all. From 2004 I am in Thailand almost every year. This is now my home. As soon as I set foot on the ground, I take a lot of care off my mind. I could cry with joy that out of curiosity I once said to myself “Roy, go take a look over there”. I have been to many countries but this is my dream country even though some have different opinions. The Netherlands has become a different country. Shame!!! Greetings. Roy
1. If you leave the Netherlands and settle permanently in Thailand, you must deregister in the Netherlands.
Whether enrolling and deregistering affects your accrued Aow rights while you lived in the Netherlands, the answer is no, the accrual of your Aow only stops after you leave, which leads to 2% less Aow accrual per year.
2. If you leave the Netherlands and settle permanently in Thailand, you lose the right to a health care policy in the Netherlands, which will then be terminated.
You want to settle in Thailand from 2020, so that will take a while, sometimes it is possible to stay insured with the current health insurer on a foreign policy, the premium is considerably higher than with the compulsory insurance. I've seen CZ pass by as an insurer where that could be done, that insurer only does that for existing customers, so you could look for that or others might be able to help you further in a response. Remember that what is today may be different tomorrow.
Whether you have to mess around with not being in the Netherlands and still try to pretend you still live in the Netherlands with an address with your daughter, I cannot recommend; when push comes to shove, for example when you need expensive care, it can turn out to be very disadvantageous. The future is never certain, for example, before I settled permanently in Thailand I had a bank account with a bank in the Netherlands, asked if my account could stay if I left for Thailand. Yes, even got a written confirmation of that. But … was told after I left that my account was closed.
Luckily, that didn't happen with other bills.
Success.
Nico B
If you do plan to move to Thailand, just take the step and deregister when your pension starts. Ultimately, I understand you intend to, even if you later receive your state pension. And you do not have to stay in the Netherlands for 4 months.
Voluntary state pension insurance for those 2 years can be arranged yourself, you pay a premium depending on the level of your income. And you can simply be deregistered and receive your state pension, so no need to register again afterwards.
The advantage if you only receive your pension for 2 years is that the tax burden is low, so you pay little tax compared to the Netherlands. It is up to you to make the choice: permanently in Thailand or 4 months a year in the Netherlands. Advise you to take out health insurance in Thailand, if you can already ask for a quote, then you will know approximately how much you will pay in 2 years based on age tables that go up every 5 years.
For a quote, then you know approximately the premium of a voluntary state pension insurance per year, you can go to the website of SVB. Google on : voluntary insurance AOW. Here you will find all relevant information.
Dear Ger. Thank you so much. This helps me a lot. Greetings and thanks again. Roy.
Minimum voluntary purchase of the AOW is 2750 euros per year, in his case (2 years) so at least 5500 euros. Then you have to be at least 84 if you want to recoup the gasan.
Just a point for consideration at 2. You can of course move in with your daughter, whether you only do that on paper is of course not just up to you! If you do not comply with the rules, your daughter will also be held accountable! Do you and she want that? Can it affect potential surcharges (Who needs them now or in the future). After all, as a front door sharer, your income also counts! I think you should handle it with care!
Dear Ko. Thank you also for your input. Now my question, what if she owns a home of her own? What does this mean? Greetings. Roy
You could find out what income averaging can do for you.
This is only possible if you have a piggy bank to live on and if you have income in the Netherlands.
I don't know the exact rules.(more)
There are some snags if you live abroad.
Because you have stopped working, you no longer have any income.
Over a period of 3 years you can then fund your income, which means that you will probably receive a refund and health care allowance.
This is because the average income over 3 years is lower than in the previous years separately.
That could put you in a lower tax bracket and take advantage of the exemption you don't use if you have no income in any of those years.
Averaging only applies to paid tax and can only be applied for after 3 consecutive years to which it relates. So only afterwards. And has no consequences for health care allowance, because a correction of health care allowance can no longer be applied for after the end of a past year.
A few years after my emigration, I automatically received a settlement of the healthcare allowance.
An unexpected windfall of a few hundred euros, because I hadn't worked a whole year before my emigration.
That settlement afterwards is correct, which is why I also talked about having a piggy bank.
With that average income I'm also going a bit in the direction of letting the pension start earlier, to bridge the time until the AOW starts.
If you let the pension start earlier, you will miss out on the money from the means.
So if you have some money on hand, it is better not to let the pension start earlier and to average your income.