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Sociale Zekerheid

AOW Deferral: Rules and Consequences in Rotterdam

**AOW deferral** in Rotterdam: Deferral up to 5 years for a higher benefit. Rules, calculations and consequences with local helplines such as Rechtbank Rotterdam and Juridisch Loket.

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AOW Deferral: Rules and Consequences

**AOW deferral** offers the opportunity to postpone your AOW age by up to **5 years**. Financially advantageous, but with an impact on your income. Learn the rules, conditions and effects in Rotterdam.

What does AOW deferral entail?

With **AOW deferral**, you can defer the **AOW entitlement age** – when you become entitled to basic AOW – by up to **5 years**. You start receiving the benefit later, but receive a higher monthly amount. The AOW applies to everyone in the Netherlands upon reaching the **AOW age** (2024: 67 years and 3 months). Deferral extends your pension phase and increases your total income. In Rotterdam, you can go to the SVB or local advisors for this.

Legal framework

The rules are set out in the **AOW Act** and **AOW Decree**, with a role for the **Social Insurance Funding Act** (Wfsv) in calculations. Key points:

  • Article 11 AOW Act: Regulates the deferral option of the AOW age.
  • Article 12 AOW Act: Determines the increase in the benefit.
  • AOW Decree, article 1.1: Specifies conditions and application procedure.

For legal advice in Rotterdam: Rechtbank Rotterdam, Wilhelminaplein 100-125, or Juridisch Loket Rotterdam, Westblaak 180.

Conditions for AOW deferral

Meet these requirements:

  1. Minimum 65 years (2024: rising to 67 years and 3 months). Application only from this age.
  2. No current AOW benefit at the time of application.
  3. Maximum 5 years deferral, e.g. from 2024 to 2029.
  4. Timely notification: At least **3 months before start date** to the **SVB**.

Calculation of increased AOW

Deferral leads to a higher monthly amount, spread over a shorter period. Depending on:

  • Deferral duration (1-5 years).
  • Life expectancy.
  • Indexation during deferral.

SVB formula applies; longer deferral = higher amount. Indication (for normal €1,500):

Deferral (years) Increase (%) Example (€1,500 base)
1 year ~5% €1,575
2 years ~10% €1,650
3 years ~15% €1,725
4 years ~20% €1,800
5 years ~25% €1,875

Note: Percentages vary annually. Use the SVB calculator or consult an advisor. In Rotterdam: Juridisch Loket for a personal check.

Consequences of AOW deferral

Benefits and drawbacks in balance:

Benefits

  • Higher monthly income: Significantly more per month.
  • Total more AOW: Due to longer benefit duration.
  • Flexibility: Continue working in the Rotterdam labour market.

Drawbacks

  • No income in the interim: Risk in case of health problems.
  • Irreversible: After start, no further deferral possible.
  • Reduction in partner supplement: Impact on survivors.

Tip for Rotterdam: Combine with local schemes via the municipality or SVB office. Check via Rechtbank Rotterdam or Juridisch Loket if in doubt about rights.