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Sociale Zekerheid

AOW Voluntary Insurance Utrecht: Fill Your AOW Gap

Discover the AOW voluntary insurance for Utrecht residents: fill missing years and prevent an AOW gap. Costs, examples and application via SVB. Advice at Juridisch Loket Utrecht.

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AOW Voluntary Insurance in Utrecht: Prevent an AOW Gap

An **AOW voluntary insurance** offers residents of Utrecht and surrounding areas the opportunity to fill missing **AOW years** (minimum **50 years** or **1,040 weeks**). This prevents an **AOW gap** and ensures you receive a full AOW benefit from age 67. The Sociale Verzekeringsbank (SVB) also administers this for Utrecht residents.

What Does Voluntary AOW Insurance Entail for Utrecht?

The **AOW** is your basic state pension from age 67. Missing premium weeks due to unemployment, migration or childcare? With a **voluntary AOW insurance**, you can fill these. This is crucial for Utrecht residents who:

  • As self-employed in Utrecht paid insufficient premiums.
  • Continue working in the Utrecht region after age 67.
  • Provided home care for years without premiums.
  • Recently migrated to Utrecht and did not live in NL for 50 years.

Legal Basis of AOW Insurance

Regulated in:

  • Article 10 General Old Age Pensions Act (AOW): conditions for voluntary insurance.
  • Decree on Voluntary AOW Insurance: procedures and rates.
For legal advice in Utrecht: District Court Midden-Nederland, Vrouwe Justitiaplein 1, Utrecht or Juridisch Loket Utrecht, Catharijnesingel 55.

How to Take Out Voluntary AOW Insurance in Utrecht?

Follow these steps:

  1. Submit application to SVB before age 67 (online or by post).
  2. Pay premium for missing years.
  3. Wait until AOW age for higher benefit.

Costs of Voluntary AOW Insurance 2024

Per calendar year approx. **€1,500-€2,000**, based on AOW wage. Payment in instalments possible. Note: no partial years!

Examples for Utrecht Residents

Example 1: Self-Employed Utrecht Resident
Pieter (65) from Utrecht-Zuid worked 20 years as a freelancer without AOW premiums. He misses 30 years. By voluntarily filling them, his benefit increases by 60%.

Example 2: Stay-at-Home Parent
Laura (66) from Kanaleneiland stayed home for 15 years for kids. With 10 years of voluntary insurance, she halves her AOW gap.

Example 3: Recent Migrant to Utrecht
Ahmed (64) from Noordwijk has lived in Utrecht since 2010. Misses 15 years. Voluntary coverage ensures full AOW.

Rights and Obligations

Rights:

  • Application until 67th birthday.
  • Full AOW after supplementation.
  • Refund upon early death.
Obligations:
  • Timely premium payment.
  • Application before AOW age.
  • No double benefits (except bridging).

AOW Voluntary vs. Bridging Benefit

Voluntary: Permanent supplementation of missing years.
Bridging: Temporary benefit until age 67 for workers.
Choose based on your situation – consult SVB or Juridisch Loket Utrecht.

Action for Utrecht Residents: Check your AOW accrual via SVB Mijn AOW. Contact SVB or visit the Juridisch Loket at Catharijnesingel 55.