What is the Anw?
The General Survivors Act (Anw) provides a financial benefit to survivors of a deceased partner. This support compensates for income loss after death. Note: not everyone qualifies, as the conditions are strict.
Conditions for Anw benefit
| Criterion | Requirement |
|---|---|
| Death of partner | Married, registered partnership or cohabiting |
| Insurance | Deceased was covered by Anw insurance |
| Age or responsibility | You are disabled or you have a child under 18 years |
When is there entitlement to Anw?
You qualify for Anw if:
- You care for a child younger than 18 years, or
- You are at least 45% disabled
If you do not meet one of these criteria, you will not receive an Anw benefit.
Anw Amounts 2024
Maximum benefits
| Situation | Gross monthly |
|---|---|
| Survivor's benefit | ±€1.450 |
| Half-orphan benefit (per child) | ±€430 |
| Orphan benefit | ±€430 - €650 |
The benefit may be lower depending on your own income.
Duration of the Anw benefit
- Until AOW age (in case of disability)
- Until the youngest child is 18 years old (in case of care responsibility)
- Ends upon new cohabitation or marriage
Income and influence on Anw
Your own income is partially offset:
- 50% of income above the exemption threshold is deducted
- Income from work, benefits or pensions counts
- Wealth has no influence
Can I get Anw when cohabiting without marriage?
Yes, provided you had a notarial cohabitation agreement or a joint child. Otherwise, this is usually not possible.
What if I start cohabiting with a new partner?
Yes, the Anw benefit stops immediately upon cohabiting with someone else.
Am I entitled to Anw upon the death of an ex-partner?
No, normally not, unless you received alimony from the deceased.
Frequently asked questions about Anw in Utrecht
How do I apply for an Anw benefit?
You can submit an application via the Social Insurance Bank (SVB) in Utrecht, online with DigiD via Mijn SVB or by telephone. Ensure you have documents such as a death certificate. The SVB checks if you meet the requirements. Submit your application quickly, as retroactive effect is not possible.
Can I receive Anw without children or disability?
No, without children under 18 years or a disability of at least 45%, you have no right to Anw. Consider alternatives such as social assistance via the municipality of Utrecht.
How much income may I have without reduction of Anw?
In 2024, the exemption threshold is around €1.450 gross per month. Above this amount, 50% of the additional income is deducted from your benefit.
What if my child turns 18?
If your youngest child turns 18 and you receive Anw based on care, the benefit stops. In case of disability, it continues until AOW age. Contact the SVB for advice.
Help in Utrecht
For legal support, you can go to the Juridisch Loket Utrecht at Catharijnesingel 55. In addition, the Rechtbank Midden-Nederland (Vrouwe Justitiaplein 1) handles matters regarding social security and benefits.