Reader question: Entitled to single supplement AOW or not?
I would like to ask a reader question about the AOW. My question is; “Am I entitled to single supplement AOW or not?”
The SVB writes that the living situation is decisive for determining the amount of the AOW pension:
“By living situation we mean whether you live alone or with someone else. The net state pension of someone living alone is 70% of the net minimum wage (“NML”). The net AOW of someone who is married or cohabiting is 50% of the net minimum wage. So together you receive 100%. What do we mean by 'partner': For the SVB, your partner is the person with whom you share the costs of the household”.
My situation
I understand the idea behind the 50% of the NML if you are married and/or cohabiting. Together with the part of the partner, you then arrive at the NML.
I live in Thailand – unmarried – together with my Thai partner and my partner does not share in the costs of the household. She does not work and has never lived in the Netherlands and is therefore not entitled to state pension.
I want to ask the readers' opinion: Should I state that I live together and therefore want to receive 50% of the NML for the AOW or should I state that I live alone and therefore want to receive 70% of the NML or should I inform my partner? but hire as a live-in maid and say I live alone?
Thank you for your advice,
Antoine
I have the same question, so very curious about the response. Especially because last week I received a letter from the SVB, like many with me, that a change in the situation must be passed on. Otherwise, return is mandatory and a fine of 100% may be imposed.
I had a kind of cohabitation contract drawn up by a civil-law notary in the Netherlands to provide her with a survivor's pension for by the time I stop drinking.
I say sort of, because there was no evidence that we lived together according to the notary. So I don't know anymore.
That must indeed be 'some kind' of a social contract. Legally, you must be registered at one address for at least 6 months in the Netherlands in order to conclude a 'real' contract with the civil-law notary. I have not succeeded, not even with a notary friend. I therefore have my doubts about the value of your contract. You can arrange more in a will.
It was only for me to do for the survivor's pension. NN has accepted this contract and it has been arranged for me, sorry, I mean for her.
My advice is: just tell the truth whether or not you live together. I also did that at the time and received AOW + partner allowance, so the full blow!
I have the same problem, in my application [Zaanstad] I indicated that I still live alone here in the Netherlands. But also that I am married, but that my love lives in Thailand, also that I support her [+ our son] because there is no work for her, I do receive child benefit through them, so everything is known
Just honest. Received a message before Christmas that I get 50%. I immediately called and told that I still lived alone. The answer was you are married {also officially registered here] so you are entitled to 50% and as far as an addition is concerned I had to call Roermond, they are talking about a foreign partner.
Unfortunately they didn't answer there, so I'll try again after Christmas, as soon as I know more I'll report it here again.
Greetings from Herman
I think I read somewhere that the partner allowance for people with aow, with a younger partner, will no longer be “exportable” outside the eu.
sorry moderator i have a very short comment; I understand 0,0 explanation of this comment please
If you turn 01 after January 01, 2015, you will no longer receive an allowance.
The amounts are 01-01-2013 722,21+28,14=750,35 gross
The 28,14 is a kob allowance and only applies abroad if 90% of your income
is subject to tax in the Netherlands,
Any allowance for a younger partner remains if you are entitled to aow
Jan 1 2015 {only if your partner has little or no income} until he/she turns 65.
You can check this on svb.nl
This is at the moment but you never know here
Hope that you find them useful.
Greetings Herman
Dear Peter, I am 67 myself and my Thai wife 43, live in Thailand and receive a partner allowance for my Thai wife (married)
If you indicate that you live together or are married, you will receive 50%. It doesn't matter where you live. And then you can apply for a possible surcharge via SVB Roermond. I only live here but still get 50% because my wife lives in Thailand, they say you are married, because of child benefit my details are known there. Only know it 3 days and now try to arrange it via SVB Roermond, the advantage of which is that I have the chance that I will get 100%. You can read everything on svb.nl. And the phone number in Roermond is 0475368010
Greetings Herman
Some small additions. Partner allowance is possible without a cohabitation contract. I have myself. What should be taken into account is the discount percentage. Example; partner is 40 when the Dutch turn 65 (before 2015). The discount is calculated as follows: 40-15 = 25 x 2% or a discount of 50% on the partner allowance.
what about those cases where a man is in need of help and someone lives with him to take care of him. She does not contribute any money, but receives money for lodging and care. According to the SVB, I therefore live together. That's crazy, isn't it? It shouldn't get crazier with the SVB either. and current legislation.
AOW supplement will expire in 2015 (according to the SVB website
If you are married or cohabiting with a partner who has not yet reached state pension age, you may receive a supplement on top of your state pension. This supplement will be abolished in 2015.
What does abolishing the allowance in 2015 mean?
Will you turn 65 on or after 1 January 2015? Then you will no longer receive a supplement for your younger partner.
Will you turn 65 before 1 January 2015? Then you will receive a supplement until your partner reaches state pension age, even if that is after 1 January 2015. You will only receive a supplement if your younger partner has little or no income.
Will you turn 65 in November 2014 or December 2014? Then you will receive a supplement, even if your AOW starts after 1 January 2015. The condition is that you are married or cohabiting before 1 January 2015.
More information?
More information about the abolition of the AOW partner supplement can be found in the leaflet 'end of supplement in 2015'.
AOW supplement will end in 2015 (pdf, 535 kB)
A warning to all who live in Thailand, the UWV and the SVB sometimes keep a check here in Thailand,
I have already had an inspection myself, so be honest, the fines are high 100% plus the excess paid out by UVB / SVB.
The SVB made a calculation for me about a year ago. I was curious about how the AOW scheme worked. In my case, 2% is deducted for each year that the partner has not worked in the Netherlands. My partner is 53, so 53-25 = 28 years x 2% = 54% deducted. In addition, my partner has a pension from the state (Thailand). This is deducted in full from the AOW to be paid out. The latter has been confirmed twice by the SVB. For me, this meant that with an AOW for two, including a supplement, I received a total of approx. 200 euros less than the AOW for a single person. Whether the withholding of the pension also applies when my partner has reached the age of 65, I do not know.
Peter,
I'm a bit worried that the calculation is incorrect. The calculation applies from age 15, so 53 - 15 is 38 years times 2% = 76% discount. In my humble opinion, this means that you will receive 24% of the partner allowance for your partner. It does depend on when you turn 65.
The bottom line is that if you are with someone who is 19 years old and has no employment history, you will get full if you cohabit/marry and if your wife/partner is 5 or 10 years younger you will only receive 50% (in my case) .
Antoine's question has not yet been answered. He lives in Thailand with a Thai partner with whom the household costs are not shared. His question is “Am I entitled to the single AOW allowance or not?” Who knows the correct answer?
Regarding this problem, I sent an email to the SVB asking what the situation would be for me with a live-in carer. Now I receive AOW as a single person for 72% (lived a lot abroad). Answer: They will study it.
I will keep you informed
I am very curious about the letter that I will receive soon.
In August I will also reach state pension age and have voluntarily insured the years she is missing for my Thai wife with the SVB. But unfortunately I received a message that I will receive an answer before February 14, 02 whether this is possible, so I am still in the dark.
I think this is a right, (we applied for it within the legal time frame).
Will post the result on the forum.
If negative, the AOW becomes very minimal.
Taking this opportunity to wish everyone a fantastic 2013 and of course many years to come with good health and plenty of reason to smile.
With regards
Cor Verkerk
The scheme was made for people who both receive a state pension or allowance, and I therefore find it unreasonable in a situation of a partner without income. I will be 2015 in 65, so I will also be left out. The goal of most people with a Thai partner is also to leave their partner well cared for when we go to Heaven, so I can imagine that people are looking for ways to get single people's state pension. Have too little experience to know whether the option of live-in maid can be successful but there are also other ways. Good luck
Hello, I have a question, can this article also be placed in Thai so that my Thai girlfriend also understands it? I think some people need to change things
because even in Thailand you can't get by on 50% AOW.
No, unfortunately that is not possible. We don't write or speak Thai.
The question is “Am I entitled to single AOW supplement or not?”
In 2007, the Minister of Finance further explained “Harmonization of the concept of partnership and the concept of joint household” to the House in a letter.
“The AOW is a minimum income provision, the amount of which depends on the cohabitation relationship (single/single parent/married). The amount of the AOW benefit takes into account the saving effect of running a household together compared to running a single-person household.”
The conclusion is therefore that if one has a partner without income, there is no saving effect and one is therefore entitled to the single AOW supplement.
The allowance for a younger partner who is not yet 65 is a different story. This AOW allowance will expire in 2015 for new cases.
bye carrot,
Looked up and scrutinized the letter you quoted with the necessary curiosity, but could not find an unequivocal answer to the question about single person allowance in case someone single-handedly manages a 2-person household of his 50% state pension.
Are you more familiar? Are there indeed possibilities to increase the benefit to 70% of the minimum wage on the basis of the conclusion drawn/described by you?
Regards, Ruud