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Home » Reader question » Reader question: Does marrying my Thai partner have consequences for my state pension?
Reader question: Does marrying my Thai partner have consequences for my state pension?
Dear readers,
I am 74 and perfectly healthy and want to marry my Thai wife (together for 7 years) here in the Netherlands. She is 58 and works as a pharmacist in Thailand. There is no intention to live here, she will stay in Thailand.
Does that have consequences for my state pension?
Regards,
Robert
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As a result, your AOW will be reduced. You will also no longer receive a supplement for your future wife.
On the website of the SVB you can see how much you will receive less.
this only has consequences if it is registered at your address
even if you move to Thailand and are registered at an address until they have reached the AOW age limit, otherwise your AOW will be reduced by EUR 384,00
That's not true what you claim. See my submitted piece here.
With the knowledge I have recently acquired, I would not get married unless you have no problem with dropping to €832 per month from €1226 (1-7 as).
That is the consequence of getting married. Your wife will never build up AIW herself if she does not come to live in the Netherlands. The only thing that changes is that she, as your wife, becomes a legal heiress or co-heiress. That's where it all ends. Even Al's you mention that you are in a relationship with her in Thailand, and you report; you will be regarded as married and your state pension will be reduced. Look before you leap. Enjoy your relationship, but in silence.
Years ago I asked the same question with 1 difference, only getting married under Thai law. With 3 restrictions, SVB, the Municipality and ABP. All 3 indicated that I did not have to report anything!!! I was then identified as a fraudster and had to pay a lot of money back to ABP. I am still experiencing problems due to this incorrect information. Not only this, but during a conversation I had with SVB, certain of my challenges were given a different explanation with far-reaching consequences. During that conversation they also discuss a specific matter. It has now been going on for 5 years and in many ways it is reminiscent of the childcare allowance affair. He appears to be at the mercy of the gods
Net, as a retiree you will still receive 663,53 euros credited to your account, no more compensation that has been abolished. (I thought from memory in 2015). If you have built up a company pension over the years, as was my case, I had to get married before I reached retirement age, so I assume that she will not be able to receive any compensation for this later. (It is better to inquire about the latter with the pension fund to be sure).
Good luck .
I'm having the same problem.
Currently I live in NL (registered in Breda) and partner in BKK (also registered in place of residence). We are not legally married, but we do have that wish. Unfortunately, a provision in the two-home rule of the state pension stands in the way of this. I am currently using the two-home rule (invented in 2014 by State Secretary Klijnsma, PVDA) to get the fully independent state pension. But if I legally marry, then I can no longer claim it, because one of the conditions is that you must be unmarried! Regardless of whether we still live separately or not!
My hope is that the state pension scheme will be slightly adjusted in the coming years and that cohabitation of the elderly will eventually be encouraged so that more homes become available for home seekers. But who will want to take the initiative for this?
Because recently in the morning TV program WNL, the well-known businesswoman Annemarie van Gaal also came up with this possible partial solution to alleviate the housing shortage, I asked her for advice. There was not much she could do, but she did recommend discussing this where possible (with a political party or by letter sent to the press). Hence my response to your question. I'm curious about comments to get an impression of whether this problem is common to other state pensioners.
Yes, that is asking for the well-known route. As soon as you, as a married person, can claim an unmarried state pension, it will be used en masse, especially by many who live abroad and in countries where housing costs are low, such as in Thailand. Because for 1500 baht you can have your own living space in Thailand, 30 Euro, and then as a married person you will also be able to get a higher state pension (more than 300 Euro). That is your wish, but massive use will lead to large expenditures, for example the hundreds of thousands of returnees and retirees in the countries around the Mediterranean. Forget dreaming, anyone can confirm what I describe above. But yes, there is nothing to stop you from sending a letter to every political party, it will simply be added to the pile with the thousand others they receive per day on all kinds of subjects.
Dear people,
In the meantime I have been married to my now Dutch wife for 6 years and have arranged and reported everything HONESTLY.
That has caused me an incredible amount of damage and disadvantage, in relation to SVB. And I will live with that until I die. Of course I have the perfect “caregiver”.
But the Dutch government is not concerned about that. The SVB has been given the task by the government of making AOW benefits as low as possible
You won't believe how much damage my honesty has cost me, and still costs me.
To get her here in NL and to get her established, incidentally with the best results, I had to pay for EVERYTHING up to the last € 00,01 myself.
In our urban environment here live a lot of immigrants, like almost everywhere in the Netherlands with a residence status, who really enjoy everything. They have enjoyed the integration course with little enthusiasm or interest without having paid anything for it …….
DO WHAT YOU WANT WITH THIS…
the kindest regards,
John
A perfect “informal caregiver” can cost something, right, Johannes…. 😉
Are there perhaps still advantages of getting married and/or living together that compensate for this loss of state pension?
Jurgen, the reason I would like to get legally married is purely so that my Thai wife will not have to pay so much tax on the inheritance. Furthermore, I might get other advantages (or disadvantages) with legal marriage, but I have not delved into them.
If you have been deregistered from NL for more than 10 years, the heir will not pay any inheritance tax (i.e. on your assets in NL).
Where did you get this wisdom? Because I have been deregistered from the Netherlands for more than 10 years. I inherit from my mother's estate. Maybe you can let me know so that I can use it too. Greetings Alberto
Yes Jurgen there are.
I have a nice pension from the PMT metal and technology pension fund.
Since me and my Thai spouse are legally married on both sides TH / NL and have been living in Thailand for many years under the same roof, I am also reduced on the state pension just like everyone else according to the current rules of the Social Insurance Bank.
But after the death of me Janneman, my Thai spouse will receive a nice survivor's pension from the PMT until her death.
Enough to live on that alone under the Thai sun until she dies.
Jan Beute.
Robert, there are many misunderstandings about the combination of state pension + marriage. A complicating factor is that you are not going to live together and that one of the partners lives abroad. In addition, in my personal opinion, the SVB site is unworkable.
I advise you to ask the SVB that question via MY SVB. Be complete in it. Then you will receive a written answer. That will probably take a while because many SVB employees still work from home, but I think you have that time.
NEVER rely on a verbal statement from an official or employee; After all, you do not know whether the circumstances have been correctly understood and a wrong understanding can lead to wrong advice. On paper or in e-mail or in your own environment at MY SVB.
If the future inheritance tax or the current gift tax plays a role in your case, you can donate while alive and, if necessary, remain indebted. Consult a notary in NL for this.
Success!
Well dear Erik, you tell it more difficult than it is. If you are unmarried, there are some options, for example the 2-home scheme and then you can live together perfectly while retaining the single state pension. It becomes easier for the benefit agencies when people get married because then it is simple because then there are no longer any exceptions because married is married and when they reach state pension age, the person then receives his share of what has been built up during the time that he/she/it has she lived in the Netherlands. I can't explain it any simpler and that's how it is.
A great misery. If you are married, a considerable amount will be deducted from your AOW. But even if you are not married but live together in a house, your state pension will be reduced. I myself did everything very neatly and was initially told that I would not be cut. A long time after that I got two male figures on the phone who bombarded me with questions in a very rude way.
They were downright insulting and twisted my words. The report on this “conversation” was completely wrong. Where I said yes, the report said no. I had huge fights. In the end I was paid almost € 8000,=.
Not only your AOW pension, but also your pension will sometimes be reduced if you live together or are married. This is the case with the ABP. Take that into consideration and possibly try to arrange your estate and your partner's financial security in another way.
At the ABP, your partner will not even receive a survivor's pension if you are already enjoying a pension at the time of marriage or cohabitation. Strange but true. Check with your pension provider
You get married, then they cut your AOW.
Willem has already indicated that your company pension may not be easy to change.
So getting married makes no sense.
Is it easier to arrange your possible inheritance? It's also just a question, technically speaking, I think so.
However, there is a geinponem in the 2nd chamber, which has already proposed to increase the inheritance tax.
A viper in the CU came up with this idea. Of course, due to the increasing deaths under the baby boom of the 50s, the government treasury provides extra money. Well, you have to have it from your representatives, not so. Don't know if this has already started.
It is of course expected that you will also receive another slap in the face according to Christian standards.
A whole bunch of other increases are coming up. Everything under the guise of climate.
The Netherlands, alone in the EU, already has the highest petrol price. Kok's "temporary" quarter has never been removed, with the people screwed. Ok site kick.
You are then married, so you will also have to deal with your tax return. I don't know how that would work in your situation. You should ask Lammert de Haan.
After all, married under Dutch law, you then jointly or separately provide a tax statement.
However, your wife then lives abroad. It's already starting to spin on me. It may be simple, but nothing is usually easy with the tax authorities and they try to skim as much money as possible from you.
The Dutch tax authorities, we don't make it more fun, PAY!
Marriage is a contract that cannot be taken lightly, especially in this day and age.