AOW Gap for Expats and Remigrants in Utrecht

Expats and remigrants in Utrecht often face an AOW gap due to years abroad without Dutch premium payments. The AOW accrues based on years of residence, not just work. Upon return to Utrecht, you can voluntarily insure for periods prior to emigration, provided it is within the deadlines. EU rules (Regulation 883/2004) count years of residence in other EU countries, but not outside without a bilateral treaty. For non-EU countries, pro rata offsetting applies. The SVB checks via international treaties. Practical example: an expat from the US with 20 Dutch years of residence, including time in Utrecht, receives 40% AOW; voluntary insurance tops it up to 100%. In Utrecht, with its international university and expat community around Utrecht University and Kanaleneiland, many remigrants register with the SVB. Costs are higher for older applicants due to premium build-up. Important: report emigration and remigration timely to the SVB to preserve rights – in Utrecht via the local UWV office or online. Tax benefit via box 1 deduction, ideal for Utrecht homeowners with high WOZ values. Advice: check your AOW accrual via mijn.svb.nl and fill gaps before AOW age. Local tip: consult free advice at Cordaid or VluchtelingenWerk Utrecht for expat pensions. Alternative: Anw insurance for survivors' pension. This way, you avoid financial surprises upon retirement in the Domstad. (218 words)