Anw Benefit Conditions
The Anw benefit (General Survivors Act) provides financial support to survivors in Delft, such as partners and children, after the death of a loved one. To qualify, you must meet specific Anw benefit conditions, including a close family relationship, income and asset limits, and no new permanent partner for spouses. The Social Insurance Bank (SVB) verifies this. In Delft, you can get free advice on your rights at the Delft Legal Aid Office.
What is an Anw benefit?
The Anw is a basic social security benefit that helps survivors in Delft who lose income due to a death. It replaces previous schemes and is either temporary or lifelong, depending on your circumstances. For Delft residents with questions: read our article on the Anw survivor benefit or report the death to the Municipality of Delft.
Legal conditions for Anw benefits
The rules are set out in the General Survivors Act (Anw). Relevant articles:
- Article 18 Anw: Partner's pension for spouses, registered or cohabiting partners.
- Article 24 Anw: Basic conditions including partner and income tests.
- Article 47 Anw: Young person's Anw benefit for children under 18.
- Article 54 Anw: Older person's Anw benefit for children aged 18-30 who are studying.
- Article 67 Anw: Income test and asset limit.
The Act has applied since 1 January 2004, with transitional rules for those born before 1951. The SVB decides on applications; in Delft, you often start via the Legal Aid Office.
Conditions for partners in Delft
Partners must prove:
- Relationship at time of death: Marriage, partnership or cohabitation (at least 6 months at the same address in the Personal Records Database, with a child or notary deed).
- No new partner: The SVB conducts a partner test; a new permanent relationship ends the benefit.
- Age and care responsibility: Born after 1950? Entitlement only if pregnant, caring for a child under 18, or under 45 yourself (transitional rights).
Example: Marieke (42) from Delft loses her partner. With their 10-year-old child in a Delft home, she meets the care responsibility and receives partner's pension until the child turns 18.
Income and assets
Income (from work, benefits, pension) must not exceed around 60% of the minimum wage (€1,365 net/month in 2024 for singles). Assets above €7,590 (single) or €15,180 (couple) are taken into account. The SVB calculates this.
Conditions for children: young and older Anw
Children in Delft are entitled to:
| Benefit type | Age | Conditions | Duration |
|---|---|---|---|
| Young person's Anw | Up to 18 | Child of insured person, regardless of parental income | Until 18 or end of studies |
| Older person's Anw | 18-30 | Full-time study (≥75% taxable), job <50% of study costs | Until 30 or diploma |
Example: Tim (20) from Delft studies full-time at TU Delft after his mother's death. He receives older person's Anw alongside DUO funding, provided he proves he has no major job.
Real-life cases for Delft residents
- Remarriage: Anna from Delft remarries; Anw ends (art. 25 Anw).
- Income too high: Karel earns €2,000 net; no Anw, but check supplement if income drops.
- Cohabitation without proof: Lisa shares a house but lacks recognition; no entitlement.
Rights and obligations under Anw
Rights
- Apply within 12 months of death (SVB often starts automatically).
- Review on changes (e.g. unemployment).
- Objection to SVB, appeal to District Court of The Hague.
Obligations
- Report changes within 8 days (income, partner, move).
- Submit documents (payslips, proof of study).
- Repay overpayments.
Non-compliance leads to termination and fines.
FAQ on Anw conditions in Delft
Entitled to Anw when cohabiting without marriage?
Yes, with ≥6 months cohabitation in BRP, child or deed. Prove via Municipality of Delft extract.
When does Anw end due to new relationship?
With a permanent partner (>6 months together or child); SVB checks annually, temporary is fine.
Combine Anw with unemployment benefit or state pension?
Yes, but offset; unemployment benefit fully, state pension partly.
Does Anw apply to stepchildren?
Yes, if acknowledged or adopted by the deceased.
Tips for Delft residents
Avoid hassle:
- Apply: Report death to SVB (0800-2345671/online) and Municipality of Delft.
- Consult Delft Legal Aid Office for help.
- Keep BRP extracts and payslips.
- Check changes immediately.