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General Survivor’s Benefits Act

The Anw is a national insurance scheme to protect survivors from the financial consequences of the decease of a partner or parent.
Survivors are only eligible for a benefit if the deceased was insured on the date of death. In principle, everyone in the Netherlands is insured under the Anw, including people who do not live in the Netherlands as long as they work and pay income tax in the Netherlands.

Surviving partners are eligible for a benefit if they:

  • were born before 1950, or;
  • have a child younger than 18 years, or;
  • are pregnant, or;
  • are 45% disabled for work.

A dependent child allowance is paid to a parent or guardian who cares for a child who has lost a parent. The allowance paid to a surviving partner who receives a benefit him/herself is not counted as a separate dependent child allowance. The orphan’s benefit is paid to the orphan him/herself.

The Anw came into effect on 1 July 1996 and replaced the General Widows and Orphans Act (AWW). The main difference between the two schemes is that under the Anw married and cohabiting couples have the same rights.

The amount of benefits paid to surviving partners under the Anw depends on their income. Income from labour (e.g. wages) are deducted in part. Employment-related income (e.g. unemployment benefit) is deducted in full from the benefit. The amount of income from labour disregarded in the benefit to be received is 50% of the gross minimum wage, plus one third of what remains when this has been subtracted. If the income is higher than a predetermined maximum per month, the claimant is not eligible for an Anw benefit. This income level also applies to people born before 1950.
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Comments (2)
Comment by trish on Tue, Feb 5th, 2013 at 12:20 AM
hello, my husband, a dutch citizen passed away october 10,2012. we moved to the usa in 2009. how would i file for this?
Comment by arjan enneman on Thu, Feb 21st, 2013 at 8:47 AM
since your husband lived in the netherlands before and the netherlands has a social security treaty with the us you may be entitled to a (partial) anw benefit. i suggest that you contact the svb to find out what you are entitled to. see
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