Dear readers,

A few weeks ago my Thai father-in-law passed away. My mother-in-law is now left alone with no income. As a former police officer, he had a monthly benefit, but this expires upon death. So no widow's pension for mother as we know it in Belgium. Now I'm considering taking care of mom. My questions about this are the following:

  • Are there any Belgian expats who have already done this? What are their experiences with this?
  • What about the pension? Paperwork? What are the requirements? I want to inform myself in detail before taking this step. Thanks in advance for your responses.

Regards,

Walter (BE)

18 responses to “Reader question: I am considering taking care of my mother-in-law”

  1. Harrybr says up

    In NL we pay tax, from which the current state pensioners receive a benefit (No, pensioners you have never paid a penny to your state pension yourself, that serves the current workers). In Thailand (and many other countries) this mechanism is not known, and the current workers pay the support to the elderly directly. It is no longer normal that your Thai partner finds the parent(s) supportive.
    How can you do that in the most convenient way from a tax point of view, because that is in fact your question? In effect, you are supporting a dependent family member through regular donations. I would check with your IRS on that basis.

    • FJJ Durkoop says up

      Dear Harrybr, you have it all wrong. In NL, every AOW pensioner has paid his benefit himself. Until 1996? the premium was set at 19,7% max. of the gross income. If too little premium came in, then the shortfall was made up from the treasury. Since (I don't know what year) the AOW was taxed, which meant that the beneficiary also started paying for his own AOW through tax withholding. All current state pensioners have paid their own state pension themselves because they paid state pension contributions during their working lives for those who retired at the time. I paid state pension contributions for 51 years before I turned 65 and the young group now pays for me. It is even the case that I pay twice because I now contribute to my own benefit through taxation. If you want to take care of your loved ones as a family member or acquaintance, the state pensioner is free to do so. Even if you are single in a non-treaty country. An AOW pensioner living in a non-declared country is automatically reduced by 20% due to presumed cohabitation.
      If this cohabitation takes place in Thailand, there are no deductible items to be claimed as a Dutch taxpayer.

    • hans says up

      from a legal point of view, harry's comment about the fact that people have never paid for their current state pension is correct

      but I have always paid the state pension premium from my 15th birthday and for the last 20 years until I was 65

      Even the highest state pension premium that is mandatory in the Netherlands, I had these amounts myself with a pension fund

      could invest I had a much higher pension than my current state pension, so I believe that I

      have amply paid my current state pension benefit

  2. Jack S says up

    I think that is a very commendable step. What I do think is important is that mother-in-law should have her own place. Is your wife the only child or does she have brothers and sisters? I would also let them contribute a baht.

    • walter says up

      Dear Jack,

      Thanks for your comment.
      My wife has 2 older brothers.
      The eldest even lives with his mother with his whole family.
      The son studies, the daughter works in the bank.
      Mother and father are at home all day because of no work…
      All costs are paid by the daughter. I think that's pathetic.

      The other brother also has a family with 2 children who are studying.

      But we will do our best to accommodate mother as best as possible.

      Best regards,

      Walter & Fa

  3. John VC says up

    Hello Walter,
    Do you live in Thailand? Because only then can I get you some information.
    I live in Thailand and have been taking care of my sick mother-in-law and her husband for several months with my Thai wife.
    Feel free to email me at [email protected]
    In the meantime, best regards!
    Jan

  4. Martin says up

    Hi, it's very simple, you go to the town hall in Thailand where she lives and ask for a paper stating that you support her mother-in-law because she has no income, you have that translated into Dutch, and you give it to the tax authorities. as well as and paper that you have deposited money maximum € 2500, you deposit it into her account in Thailand, so add paper of deposit to taxes, you can deposit it in Belgium or in Thailand, so no problem
    Kind regards, Martin

  5. Gerrit says up

    Well,

    A bit lacking in information Walter,

    Where do you live in Belgium or Thailand?
    What is your mother-in-law's age?
    Is she eligible (like any Thai resident) for a pension.
    What are her costs?
    Does your wife (Thai?) have any other sisters and brothers?

    I can guarantee you that if there are no others who can take care of your mother-in-law and you live in Belgium, your wife (Thai?) will go to Thailand to take care of her mother.

    Gerrit

    • walter says up

      Dear Gerrit,

      I already live in Thailand.
      Mother-in-law is 68 years old.
      My wife has two brothers.
      One of which lives with his mother with his family.
      They only receive income from the daughter who works alone.
      With a policeman's pension, Mother was well prepared
      2 persons.
      Thanks for your comment

      Best regards,

      Walter & Fa

  6. Gino says up

    Dear Walter,
    I appreciate very much that you want to take care of your mother-in-law (financially).
    But I understand your purpose and question.
    Now be honest with yourself.
    You never think that you will receive more monthly pension or tax relief in Belgium because you take care of your mother-in-law.
    Then the fence would be completely off the dam.
    But good luck in your new family situation.
    Greetings, Gino

    • walter says up

      Dear Gino,

      It is indeed true that when you take on someone, there is less
      taxes are deducted from your pension. However, this is only a small one
      amount, something like € 73 per month. I guess from reading the comments here
      that it might be better to just give mother a contribution every month.

      Thanks for your response anyway,

      Best regards,

      Walter & Fa

  7. HansNL says up

    A girlfriend, the widow of a police officer, does receive a survivor's pension.
    60% of her late husband's pension.
    Plus 800 baht “AOW”.

    • walter says up

      Dear Hans

      Are you sure or has the scheme changed in the meantime?
      My father-in-law passed away on March 19. Mother was even asked for one
      part of the pension for March.
      She would still be entitled to 3 months full pension.
      So for the period April, May and June. After that it's over.
      Perhaps the widow you speak of is still in an earlier arrangement?
      Best regards,

      Walter & Fa

  8. Tarud says up

    We also take care of my wife's father. He is 80+ and has health problems. He is completely dependent on us. For years. We take care of him directly during 7 months we spend in Thailand. And for the remaining 5 months we pay a home help plus all living expenses. There are no other children who want or can take care of him. If it is possible to deduct the costs of his care from the tax to be paid in the Netherlands, I would like to hear about it. Who has (with regard to Dutch tax) experience with it?. What proofs are needed?

  9. On says up

    Dear Walter,

    Perhaps you can read here whether she is entitled to a surviving dependant's pension.
    The link refers you to the civil servants law and under number 58 you will find the law on pensions.

    Is the law from 2539.

    More information พ.ศ. 2539

    https://www.gpf.or.th/cgi-bin/CMS/Law/law_f_88.pdf

    Law no. 58

    Unfortunately only in Thai so I hope someone can translate it.

    Regards,
    On

  10. William Doeser says up

    What a drivel of all those Dutch people about AOW. It concerns a Belgian who wants to help his mother-in-law. Reading is a beautiful thing. Mother-in-law is entitled to a survivor's pension from the Thai government. Go after that. Belgium does not have a tax treaty with Thailand, so there are tax rules for Belgium's generosity funds.

  11. Herman buts says up

    Maintenance money for your mother-in-law is indeed tax-deductible in Belgium, but there are many conditions attached to it, you must be able to prove the deposited amount for tax purposes via bank transfers, request annual proof of life in the local amphur, proof of relationship with the transferee, proof of domicile of the transferee, proof of the transferee's indigence (ie certificate with amount of own income
    this all has to be translated and I'm probably forgetting something, info at the tax authorities if you still have ambition to get started :)

  12. Martin says up

    It is very simple just follow what I have written, no problems with the tax in Belgium, because your mother-in-law is your wife's 1st degree family, so you can maintain it and add it to your tax letter in BELGIUM. I have been doing this for 12 years.
    Kind regards, Martin
    Martin says on April 15, 2018 at 12:02
    Hi, it's very simple, you go to the town hall in Thailand where she lives and ask for a paper stating that you support her mother-in-law because she has no income, you have that translated into Dutch, and you give it to the tax authorities. as well as and paper that you have deposited money maximum € 2500, you deposit it into her account in Thailand, so add paper of deposit to taxes, you can deposit it in Belgium or in Thailand, so no problem
    Kind regards, Martin


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