Survivors' pension via Anw insurance in Rotterdam

The General Survivors Act (Anw) provides survivors' pension upon death, comparable to the AOW voluntary insurance. In Rotterdam, with its large port, expat community and many self-employed entrepreneurs, this is crucial for partners and children. Top up missing years for entitlement to Anw benefit (max. 70% of AOW). Ideal for stay-at-home parents in Rotterdam-South, expats in Kralingen or self-employed in the city port. Premium: €20 fixed per month plus variable part, total approx. €250 per year. Apply via SVB, up to 15 years before AOW age. Legal basis: Anw article 12 and Anw Decree. Benefit: partner receives 70% AOW if deceased was fully insured; children 20-30%. Retroactive up to one year. Advantage: low costs and lifelong for children until 18 years. Disadvantage: no indexation on partner benefit. In Rotterdam prioritise Anw over AOW for young families in neighbourhoods like Charlois or Feijenoord. Example: topping up 10 years costs €2,500, yields €10,000+ upon death – extra relevant for port workers with irregular incomes. Combine with partner pension in disability insurance. Check via SVB personal budget or Rotterdam social services. This way you financially protect survivors in the Maasstad. (218 words)