Survivors' pension via Anw insurance in Utrecht

The General Survivors Act (Anw) provides survivors' pension upon death, comparable to the AOW voluntary insurance. For partners and children in Utrecht, you top up missing years to qualify for Anw benefit (max. 70% of AOW). This is crucial for stay-at-home parents in neighbourhoods such as Kanaleneiland, expats around De Utrechtse Energiecentrale and self-employed in the Merwedekanaalzone without accrual. Premium: €20 fixed per month plus variable part, total approx. €250/year. Application via SVB, with advice point at UWV Utrecht on Catharijnebaan, 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, lifelong for children until 18 years. Disadvantage: no indexation on partner benefit. Alternative to AOW: prioritise Anw for young families in Utrecht-Noord. Example: topping up 10 years costs €2,500, yields €10,000+ upon death – ideal for starters on the Neude. Combine with partner pension in disability insurance via local advisors in the city centre. Check via SVB personal budget or Utrechts Juridisch Loket. This way you financially protect survivors in the Domstad. (218 words)