How does AOW payout work for expats in Delft? SVB rules, supplements, and applications with local context. (12 words)
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Arslan AdvocatenLegal Editorial
2 min leestijd
Delft, as a vibrant university city in the The Hague region, attracts many expats and retirees who benefit from Dutch social security agreements with over 45 countries, such as the USA, Australia, and Israel, for AOW (General Old Age Pensions Act) pension payouts. Living in Delft? You receive AOW without voluntary insurance, provided you meet the residence or employment criteria in the Netherlands. The Social Insurance Bank (SVB) pays out monthly to a Dutch bank account or a local bank in Delft, with supplements for low incomes through special assistance from the municipality. No agreement with your country of origin? Then your AOW is halved after 15 years of emigration. In cases of dual payouts, offsetting applies in accordance with EU regulations. Applications are made via the SVB form 'Apply for Pension', with annual proof of life; in Delft, you can visit the local SVB office or apply online. Taxation: often a 2% levy in the Netherlands, plus municipal regulations. Upon death, the pension transfers to survivors via the Anw (Survivor Benefits Act), with Delft-based funeral and inheritance law advice available through the District Court of The Hague. Tip: Check the treaty status on government.nl and consult the Delft municipality for local supplements. Disputes are resolved via the SGB (Social Security Disputes) procedure at the Central Appeals Tribunal. These agreements simplify expat pensions in Delft and prevent double contributions, making them ideal for the international community around TU Delft.