Buying AOW-gap: supplementing your pension in Delft
The **AOW-gap** is the difference between your desired pension and the **AOW benefit**. In Delft and surroundings, many residents receive only AOW after retirement, which is often insufficient. By buying this gap, you increase your income. This article discusses the procedure, options and legal aspects, with reference to **Rechtbank Den Haag (district)** and **Juridisch Loket Delft**.
What is an AOW-gap?
The **AOW-gap** arises when the **AOW benefit** does not cover your living expenses. AOW starts at the **AOW age** (67 years in 2024, rising to 68 in 2030). The maximum gross AOW amounts to approximately €1,600 per month (with full premium history). In Delft, where costs are higher, this is often too tight without supplementary pension.
The gap is the supplement for your target income, ideally **70% of your last salary**. Buying it secures your Delft future.
Legal basis and rules in Delft
Buying falls under the **Financial Supervision Act (Wft)**, **Pensions Act** and **Income Tax Act 2001 (Wib 2001)**. For Delft residents: consult **Rechtbank Den Haag (district)** for disputes and **Juridisch Loket Delft** for free advice on pension rights and contracts.
You can buy via employer scheme or independently, without legal obligation but with tax benefits.
How do you buy your AOW-gap in Delft?
Options specific to Delft:
- Via employer: Build up via premium contributions in local firms.
- Independently: IPP with Aegon, NN or Achmea; visit **Juridisch Loket Delft** for review.
- Savings products: Local banks offer AOW-specific life insurances.
- Own assets: Convert savings to lifelong income via buy-in scheme.
For self-employed in Delft
- 30% ruling: Tax-free income for pension accrual.
- IPP: Deductible premiums.
- Life insurance: Continuing until AOW age.
Practical examples
Example 1: Via employer in Delft
Situation: Jan (55, Delft) earns €4,000 gross/month, pension €1,200. AOW: €1,600. Total: €2,800. Gap: €1,200 for €4,000 level. Via employer he buys €500 extra; rest via IPP.
Example 2: Self-employed in Delft
Situation: Marie (50) uses 30% ruling and IPP for €800 monthly gap. In case of problems: **Rechtbank Den Haag** or **Juridisch Loket Delft**.
Next steps in Delft
1. Calculate your gap. 2. Check options. 3. Enter contract (Wft-compliant). 4. For advice: **Juridisch Loket Delft** (free). For procedures: **Rechtbank Den Haag (district)**. This way you safely fill your AOW-gap.