Survivor's Pension via Anw Insurance in Delft

The General Survivors Act (Algemene nabestaandenwet, Anw) provides a survivor's pension in the event of death, comparable to the voluntary AOW insurance. For partners and children in Delft, you can supplement missing years to qualify for Anw benefits (up to a maximum of 70% of the AOW). This is crucial for stay-at-home parents in Delft-Noord, expats at TU Delft, and self-employed entrepreneurs in the city center without accrual. Premium: €20 per month plus a variable portion, totaling approximately €250 per year. Applications can be submitted to the Social Insurance Bank (SVB) up to 15 years before reaching the AOW age, making it ideal for residents of Delft who are planning ahead. Legal basis: Anw Article 12 and the Anw Decree. Benefits: - The partner receives 70% of the AOW if the deceased was fully insured. - Children receive 20-30%. - Retroactive payments can be made for up to one year. Advantages: Low costs, lifelong benefits for children up to the age of 18. Disadvantages: No indexation on partner benefits. Alternative to AOW: Prioritize Anw for young families in neighborhoods such as Poptahof or Vrijenban. Example: Supplementing 10 years costs €2,500 and can yield over €10,000 in the event of death for households in Delft. Combine with a partner pension in disability insurance through local advisors. Check via the SVB personal budget or consult the Legal Counter Delft. This ensures financial protection for survivors within the Delft context.