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Sociale Zekerheid

AOW voluntary insurance

Discover how an AOW voluntary insurance in Delft closes your pension gap. Fill in missing years for a full AOW benefit. Advice via Juridisch Loket Delft.

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AOW voluntary insurance: fill your AOW gap in Delft

An **AOW voluntary insurance** provides a solution for residents of Delft who have not contributed the full **50 years** (or **1,040 weeks**) to the **General Old Age Act (AOW)**. This allows you to fill in missing periods and secure a full pension, without an AOW gap.

What does an AOW voluntary insurance entail?

The **AOW** forms the basis of your Dutch old-age pension, payable from age 67 with sufficient premium weeks accumulated. With incomplete contributions, you receive a **pro rata benefit**. With a **voluntary AOW insurance**, you fill in the missing years yourself.

This is particularly useful for Delft residents such as:

  • Self-employed individuals in Delft who missed premiums.
  • Workers after AOW age without benefit.
  • Parents who were stay-at-home parents for years.
  • Expats or migrants with incomplete residence in the Netherlands.

Legal basis

Regulated in:

  • Article 10 AOW: conditions for voluntary insurance.
  • Decree on voluntary AOW insurance: details on costs and application procedure.
Handled by the **District Court of The Hague** (district Delft). For free advice: Juridisch Loket Delft.

The **Social Insurance Bank (SVB)** administers AOW and voluntary options.

How do you take out a voluntary AOW insurance?

Step-by-step plan:

  1. Submit application to SVB (before your 67th birthday).
  2. Pay premiums for missing years.
  3. Patience until age 67 for AOW increase.

Costs of voluntary AOW insurance

Premium based on **average AOW wage**: in 2024 approximately **€1,500-€2,000** per year (depending on income). Payable in one go or in installments. Always per full calendar year.

Practical examples

Example 1: Delft self-employed person
Jan (65) from Delft-Zuid, self-employed with 45 premium weeks. Misses 5 years. Voluntary insurance increases AOW by 10%.

Example 2: Stay-at-home mother
Sara (66) from Delft, worked 30 years, stayed home 20 years. Fills in 10 years for higher benefit.

Example 3: Delft migrant
Mohammed (64), 35 years in the Netherlands, misses 15 years. Voluntary top-up prevents gap.

Rights and obligations

Rights:

  • Application up to 67th birthday.
  • AOW increase through top-up.
  • Refund upon early death.

Obligations:

  • Timely premium payment.
  • Application before age 67.
  • No double AOW (except bridging).

Voluntary AOW vs. bridging benefit

Choose consciously: voluntary insurance builds structurally, bridging is temporary. Consult Juridisch Loket Delft or SVB for personal advice.