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What are the consequences for my state old age pension (AOW) if I leave the Netherlands?

If you leave the Netherlands or start working in another country before you reach the AOW pension age the amount of AOW pension you get when you turn 65 (or the applicable pension age at that time) will be affected.

AOW coverage ends

As a rule, if you start living or working outside the Netherlands, you will cease to be covered under the AOW old age pension scheme and the Anw survivor benefit scheme. You will then get a reduced pension when you reach your AOW pension age (2% for each year between 15-65 in which you are not living/working in the Netherlands). In addition, your partner will not be entitled to an Anw survivor benefit if you pass away. You can avoid these consequences by taking out voluntary insurance.

Staying abroad for a longer period

If you already receive pension payments and will stay abroad for a long period of time, pension payments may be stopped.

Working outside the Netherlands temporarily

If you work outside the Netherlands temporarily for your employer, you will normally stay insured under the AOW and Anw schemes. In that case, you will need a secondment certificate from your employer, the so called A1 declaration. 

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