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AOW Voluntary Insurance Rotterdam: Fill Your AOW Gap

Discover how an AOW voluntary insurance in Rotterdam supplements your pension. Prevent AOW gaps by filling in missing years. Advice via Juridisch Loket Westblaak 180.

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AOW Voluntary Insurance in Rotterdam: Prevent an AOW Gap

An **AOW voluntary insurance** offers residents of Rotterdam the opportunity to fill in missing **AOW years** if you have not contributed the full **50 years** (or **1,040 weeks**) to the **General Old Age Act (AOW)**. This way, you prevent an **AOW gap** and receive a higher pension benefit. Contact the SVB or the Juridisch Loket Rotterdam, Westblaak 180 for advice.

What Does AOW Voluntary Insurance Entail for Residents of Rotterdam?

The **AOW** forms the basis of your Dutch pension from age 67. Missing premium weeks due to unemployment, migration, or self-employment? Then you receive a **pro rata benefit**. With a **voluntary AOW insurance**, you can catch up on these years and maximize your pension.

This is crucial for:

  • Self-employed entrepreneurs from Rotterdam who did not pay premiums.
  • Expat employees or migrants with incomplete AOW accrual.
  • Parents who have cared for children for years without premium liability.
  • Workers after age 67 who do not yet receive AOW.

Legal Basis of AOW Voluntary Insurance

Regulated in:

  • Article 10 AOW: conditions for voluntary contributions.
  • Decree on Voluntary AOW Insurance: rates, application, and implementation.
Managed by the **Social Insurance Bank (SVB)**. For legal questions: District Court Rotterdam, Wilhelminaplein 100-125 or Juridisch Loket Rotterdam.

How Do You Conclude a Voluntary AOW Insurance in Rotterdam?

Follow these steps:

  1. Submit application to SVB before your 67th birthday (online or by mail).
  2. Pay premium for the missing calendar years.
  3. Be patient: the increase applies from your AOW age.

Premium Costs for Voluntary AOW Insurance 2024

Based on the **AOW wage**: approx. **€1,600-€2,100 per year** (2024 rate). Payment in one go or in installments. Note: only full calendar years possible.

Concrete Examples from Rotterdam Practice

Example 1: Rotterdam Self-Employed Professional
Piet, 64, from Rotterdam-South worked 20 years as a self-employed professional without AOW premium and misses 30 weeks. Through voluntary insurance for 6 years, his AOW increases by 12%.

Example 2: Stay-at-Home Mother Rotterdam-West
Fatima, 66, cared for her family for 25 years and worked 25 years. With 12 voluntary years, she achieves 74% AOW instead of 50%.

Example 3: Moroccan Migrant Rotterdam
Ahmed, 65, lived 30 years in Rotterdam and 20 years in Morocco. Voluntary coverage for 20 years ensures full AOW.

Rights and Obligations of AOW Voluntary Insurance

Rights:

  • Application possible until age 67.
  • Increase in AOW percentage through supplementation.
  • Refund of premium in case of early death.

Obligations:

  • Pay premium within the term.
  • Apply before AOW age.
  • No double AOW (except bridging).

Comparison: Voluntary AOW vs. Bridging Benefit

Voluntary AOW: Permanent increase, premium per year. Ideal for long-term gaps.
Bridging Benefit: Temporary until age 70, for workers after 67. No premium, but stops upon retirement.
Tip Rotterdam: Check with Juridisch Loket Westblaak 180 what suits your situation.

Applying for AOW Voluntary Insurance in Rotterdam

Start via SVB.nl or call 020-633 96 33. Local help: Juridisch Loket Rotterdam, Westblaak 180. In case of disputes: District Court Rotterdam, Wilhelminaplein 100-125.