Conditions for Applying for Voluntary AOW Insurance in Delft

The application for voluntary AOW (General Old Age Pensions Act) insurance in Delft adheres to strict national conditions, with special attention given to local TU Delft students and expatriates in the region. You must be at least 18 years old and not yet have reached the AOW entitlement age. Applications cannot be submitted more than 15 years before your AOW entitlement age, and the insurance does not overlap with previous mandatory insurance periods. For migrants from non-EU countries, which is common among Delft’s international community, the insurance only covers missing periods prior to your stay in the Netherlands, provided you have lived in Delft or the surrounding area for more than six months—consider neighborhoods such as Hof van Delft or the historic city center. The premium depends on your income and is recalculated annually based on the minimum wage, which is particularly relevant for newcomers to the Delft job market. Retroactive applications can cover a maximum of three years. According to Article 10, Section 2 of the AOW, the application must be submitted in writing to the Social Insurance Bank (SVB) in The Hague, accompanied by supporting documents such as a passport, residence permit, and, if applicable, an extract from the Delft Municipal Personal Records Database (BRP). Local SVB advisors in the region recommend that Delft residents verify their documents at the town hall on Burgwal. Applications may be rejected due to insufficient financial capacity or if the period in question has expired. For TU Delft employees or students, it is advisable to consult a financial advisor in Delft, such as those at local offices near the train station, to assess whether the premium justifies the future benefit—often only cost-effective after the age of 65. This helps avoid surprises upon retirement in this innovative city.