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AOW Voluntary Insurance Abroad Utrecht

The **AOW voluntary insurance abroad** helps Utrecht Dutch nationals abroad maintain their AOW rights. Learn about conditions, application and local assistance via Rechtbank Midden-Nederland.

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AOW Voluntary Insurance Abroad - Utrecht

For residents of Utrecht who move abroad, the **AOW voluntary insurance abroad** offers a solution to retain AOW rights. Normally, AOW stops upon emigration, unless you voluntarily pay premiums. Contact Rechtbank Midden-Nederland at Vrouwe Justitiaplein 1 in Utrecht for legal advice.

This scheme is ideal for retirees from Utrecht who remain abroad, such as expats or digital nomads. The Juridisch Loket Utrecht at Catharijnesingel 55 can help you free of charge with your application.

Why AOW voluntary insurance for Utrecht residents abroad?

Even if residing outside the Netherlands, you can pay premiums via the **AOW voluntary insurance** to maintain AOW accrual. This falls under the General Old Age Pensions Act (AOW). For Utrecht citizens, this is crucial for long-term stays abroad.

Without this option, you lose AOW if you do not return. Pay premiums to prevent this – perfect for Utrecht expats post-retirement.

Suitable for:

  • Dutch nationals from Utrecht over AOW age abroad.
  • Temporary emigrants from Utrecht province.
  • Without equivalent foreign pension.

For whom in the Utrecht region?

Targeted at Dutch citizens from Utrecht who:

  • Are 65+ and reside abroad.
  • Do not have automatic AOW entitlement.
  • Wish to secure AOW.

Note: Not possible with equivalent foreign pension or in countries with their own AOW equivalent. Check with Juridisch Loket Utrecht, Catharijnesingel 55.

Conditions for AOW voluntary abroad (Utrecht focus)
Condition Details
Dutch nationality Required, also for Utrecht emigrants.
Foreign residence No place of residence in the Netherlands.
No alternative pension No comparable benefit elsewhere.
Age Pension age reached.

Legal basis

Based on **AOW Articles 18-22**. Executed by SVB. For disputes: Rechtbank Midden-Nederland, Vrouwe Justitiaplein 1, Utrecht.

Practical examples Utrecht

  • A 68-year-old from Utrecht city centre emigrates to Spain: pays voluntary premiums, receives full AOW.
  • Expats family from Amersfoort (near Utrecht) chooses the scheme for AOW security during 5-year stay in Asia.

Rights and obligations

Rights: Full AOW after accrual. Obligations: Annual premiums, report changes to SVB.

How to apply in Utrecht?

  1. Contact SVB.
  2. Submit application with proof of residence.
  3. Visit Juridisch Loket Utrecht for assistance.

Costs

Premium approx. €1,400/year (2024), income-dependent. Calculate via SVB calculator.

Local assistance Utrecht

  • Rechtbank Midden-Nederland: Vrouwe Justitiaplein 1, Utrecht – for procedures.
  • Juridisch Loket Utrecht: Catharijnesingel 55 – free advice.

Frequently asked questions

Can I stop paying?

Yes, but AOW rights may lapse.

Does this apply to EU countries abroad?