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I am going to live outside the Netherlands. Will my surviving dependants still be able to receive surviving dependants’ benefit? | NetherlandsWorldwide
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Will my surviving dependants still be able to receive surviving dependants’ benefit?</h1></header><div class="RichText_container__QJWUn content-small-wrapper ActionArea_intro__2v5LN"><p>If you die while living outside the Netherlands your surviving dependants won’t usually receive surviving dependants’ benefit, unless you were insured under the Anw scheme. Your surviving dependants will also have to meet the other conditions for receiving surviving dependants’ benefit.</p></div></div></div><div class="content-wrapper" data-testid="information-area"><div class="component-wrapper-no-margin"><div class="component-wrapper content-small-wrapper"><div class="RichText_container__QJWUn "><h2>Who is insured under the Anw scheme?</h2><p>Being ‘insured’ means being entitled to social insurance benefits. In the Netherlands this includes surviving dependants’ benefit, general old age pension and child benefit. There is no need to take out an insurance policy for this like for car insurance or health insurance. People who live or work in the Netherlands are usually automatically insured for social insurance benefits. People outside the Netherlands are not usually insured for Dutch social insurance benefits.</p><h2>In what situations am I insured under the Anw scheme outside the Netherlands?</h2><p>If you live outside the Netherlands you may still be insured under the Anw scheme. This applies in the following situations:</p><ul><li>You are employed in the Netherlands and you pay tax and social insurance contributions there</li><li>You have a business in the Netherlands and pay taxes there</li><li>You have been seconded from the Netherlands</li><li>You work as a Dutch civil servant outside the Netherlands</li><li>You work in international transport for a Dutch company</li><li>You are studying abroad temporarily and are not working</li><li>You are receiving care in certain institutions outside the Netherlands.</li></ul><p>If you do not know whether or not you are insured, for example because you work in more than one country or have more than one employer, <a href="https://www.svb.nl/en/anw/contact/find-your-svb-office">contact the SVB</a> to discuss your personal situation.</p><p>If you live in Spain, Türkiye, Morocco, Suriname or South Africa, you can <a href="/contact-social-insurance-bank">contact the SVB office at the Dutch embassy</a>.</p><h2>Voluntary Anw insurance</h2><p>If you are no longer insured under the Anw scheme, you can opt for voluntary insurance. You then pay an annual premium to the SVB.</p><div class="notification"><span class="sr-only">Attention: </span>If you take out voluntary insurance this does not always mean that your surviving dependants will receive benefit if you die. They must also meet certain <a href="/surviving-dependants-benefit-abroad/receive">conditions</a>.</div><div class="notification"><span class="sr-only">Attention: </span>It is likely that you are insured in the country where you live or can opt for voluntary insurance for surviving dependants’ benefit. You can decide yourself whether you want to be insured in the country where you live or in the Netherlands.</div><h3>Cost</h3><p>The premiums for voluntary Anw insurance change each year. The amount you pay depends on your income.</p><p><a href="https://www.svb.nl/nl/vv/kosten-vrijwillig-verzekeren/wat-kost-vrijwillig-verzekeren-buiten-nederland">Calculate your premium on the website of the SVB</a> (information in Dutch).</p><h3>Requesting a quote</h3><p>If you would like to take out voluntary insurance for surviving dependants’ benefit with the SVB, first request a quote. This can be done in 3 ways:</p><ul><li>Via <a href="https://www.svb.nl/en/mijnsvb">My SVB</a> (information in Dutch). For this you need a <a href="/digid-abroad/what-is-digid">DigiD</a> or a <a href="/eu-approved-login-key">recognised means of eID from another European country</a>.</li><li>Using the <a href="https://mijnsvb.svb.nl/wizard-migranten/flow/aanvraagvvpubliek?inloggen=false">online form</a> (information in Dutch).</li><li>By post using a <a href="https://www.svb.nl/nl/media/3208NT.pdf">printed form</a> (PDF) (information in Dutch).</li></ul><h2>If your personal situation changes</h2><p>Check what else you need to arrange in the following situations:</p><ul><li><a href="/moving-abroad">Emigrating or moving abroad</a></li><li><a href="/death-abroad">If someone dies in a foreign country</a></li></ul><h2>Contact</h2><p>If you have any questions, do not hesitate to <a href="/contact">contact us</a>.</p><h2>Also useful</h2><ul><li><a href="/aow-pension-abroad">Old age pension (AOW) abroad</a></li></ul></div></div></div></div></main><footer class="BrFooter_wrapperWithFeedbackBar__mp5SG"><div class="layout-wrapper"><div class="no-js"></div><div id="surveyContent"></div></div><div class="PayOff_payOff__kzCDk Footer_payOff__n8mNy"><div class="layout-wrapper"><span>NetherlandsWorldwide</span><p class="PayOff_payOffText__aMuPv">Here to help. Wherever you are.</p></div></div><div class="Footer_navigation__v9fcc"><button class="Footer_button__V0FwT" aria-expanded="false"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 64 64" height="20" width="20" class="Icon_icon__hNQtl Footer_icon__YLUw0" aria-hidden="true"><path fill="#000" d="M13.086 36.559v-9.215h14.211V13.137h9.312v14.207h14.305v9.215H36.609v14.305h-9.312V36.559H13.086z"></path></svg>About this website</button><div class="layout-wrapper Footer_expandableContent__DcPUK " data-testid="showNav-content"><div class="component-wrapper-no-margin"><ul><li><a href="/about-netherlands-worldwide">About NetherlandsWorldwide</a></li><li><a href="/about-the-website">About this website</a></li></ul></div></div></div><div class="layout-wrapper"><div class="LanguageSelector_languageWrapper__Cbei1" lang="nl" dir="ltr"><span class="LanguageSelector_text__AJsuk">Deze website in het </span><a href="https://www.nederlandwereldwijd.nl" class="LanguageSelector_button__nHhEF">Nederlands</a></div></div></footer></div></div><script id="__NEXT_DATA__" type="application/json" nonce="bjCb4h4kdcXNDDAYP1jQ/VV6fm5JVpu9vvHOcPxuE0w=">{"props":{"pageProps":{"pageTypeInformation":{"isSingleDigitalGatewayProduct":false,"singleDigitalGatewayProductUri":null,"cooperatingPartners":["SVB"]},"toggles":{"contactType":"button","contactMenu":true,"environmentType":"P","environmentIndicator":false,"search":true,"travelAdvice":true,"embassies":true,"singleDigitalGateway":true,"singleDigitalGatewayOrganisations":{"municipality":true,"province":true,"waterAuthority":true}},"singleDigitalGatewayProductData":null,"organisationOptions":null,"page":{"meta":{"product":"brxm","version":"1.0","branch":"master"},"links":{"self":{"href":"https://www.netherlandsworldwide.nl/resourceapi/surviving-dependants-benefit-abroad/moving","type":"external"},"site":{"href":"/surviving-dependants-benefit-abroad/moving","type":"internal"}},"channel":{"info":{"props":{"org.hippoecm.hst.configuration.channel.PreviewURLChannelInfo_url":"${p1o.fe.en.url}","siteName":"NetherlandsWorldwide","payOff":"Here to help. Wherever you are.","announcementFolderPath":"announcements","logoFileName":"logo-kn-eng.svg"}}},"root":{"$ref":"/page/p1"},"document":{"$ref":"/page/u8a507ee032d84bcf822622100f4c10da"},"page":{"p1":{"id":"p1","links":{"self":{"href":"https://www.netherlandsworldwide.nl/resourceapi/surviving-dependants-benefit-abroad/moving?_hn:type=component-rendering\u0026_hn:ref=p1","type":"external"}},"meta":{"definitionId":"6b704625-dd12-40ad-98ec-80e1e10133d6","params":{}},"name":"contentpage","label":"Content pagina","type":"component","children":[{"$ref":"/page/p1p1"},{"$ref":"/page/p1p2"},{"$ref":"/page/p1p3"},{"$ref":"/page/p1p4"},{"$ref":"/page/p1p5"},{"$ref":"/page/p1p6"}]},"u8a507ee032d84bcf822622100f4c10da":{"type":"document","links":{"site":{"href":"/surviving-dependants-benefit-abroad/moving","type":"internal"}},"meta":{},"data":{"name":"moving","displayName":"Moving abroad ANW","authority":"Ministerie van Buitenlandse Zaken","language":"en","description":"If you die while living outside the Netherlands your surviving dependants won’t usually receive surviving dependants’ benefit. Find out what applies in your personal situation.","title":"I am going to live outside the Netherlands. Will my surviving dependants still be able to receive surviving dependants’ benefit?","creator":"Ministerie van Buitenlandse Zaken","countries":[],"topicTaxonomyKeys":["anw-uitkering","verhuizen-naar-het-buitenland","overlijden"],"cooperatingPartners":["SVB"],"subjects":["anw-uitkering","verhuizen naar het buitenland","overlijden"],"sdgContentType":null,"translations":[{"lang":"en","link":"/surviving-dependants-benefit-abroad/moving"},{"lang":"nl","link":"/anw-uitkering-buiten-nederland/nabestaanden-later-anw-uitkering"}],"introduction":{"contentType":"hippostd:html","value":"\u003cp\u003eIf you die while living outside the Netherlands your surviving dependants won\u0026#8217;t usually receive surviving dependants\u0026#8217; benefit, unless you were insured under the Anw scheme. Your surviving dependants will also have to meet the other conditions for receiving surviving dependants\u0026#8217; benefit.\u003c/p\u003e"},"contentblocks":[{"contentType":"hippostd:html","value":"\u003ch2\u003eWho is insured under the Anw scheme?\u003c/h2\u003e\n\n\u003cp\u003eBeing \u0026#8216;insured\u0026#8217; means being entitled to social insurance benefits. In the Netherlands this includes surviving dependants\u0026#8217; benefit, general old age pension and child benefit. There is no need to take out an insurance policy for this like for car insurance or health insurance. People who live or work in the Netherlands are usually automatically insured for social insurance benefits. People outside the Netherlands are not usually insured for Dutch social insurance benefits.\u003c/p\u003e\n\n\u003ch2\u003eIn what situations am I insured under the Anw scheme outside the Netherlands?\u003c/h2\u003e\n\n\u003cp\u003eIf you live outside the Netherlands you may still be insured under the Anw scheme. This applies in the following situations:\u003c/p\u003e\n\n\u003cul\u003e\n \u003cli\u003eYou are employed in the Netherlands and you pay tax and social insurance contributions there\u003c/li\u003e\n \u003cli\u003eYou have a business in the Netherlands and pay taxes there\u003c/li\u003e\n \u003cli\u003eYou have been seconded from the Netherlands\u003c/li\u003e\n \u003cli\u003eYou work as a Dutch civil servant outside the Netherlands\u003c/li\u003e\n \u003cli\u003eYou work in international transport for a Dutch company\u003c/li\u003e\n \u003cli\u003eYou are studying abroad temporarily and are not working\u003c/li\u003e\n \u003cli\u003eYou are receiving care in certain institutions outside the Netherlands.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eIf you do not know whether or not you are insured, for example because you work in more than one country or have more than one employer, \u003ca href=\"https://www.svb.nl/en/anw/contact/find-your-svb-office\"\u003econtact the SVB\u003c/a\u003e to discuss your personal situation.\u003c/p\u003e\n\n\u003cp\u003eIf you live in Spain, T\u0026#252;rkiye, Morocco, Suriname or South Africa, you can \u003ca href=\"/contact-social-insurance-bank\" data-type=\"internal\"\u003econtact the SVB office at the Dutch embassy\u003c/a\u003e.\u003c/p\u003e\n\n\u003ch2\u003eVoluntary Anw insurance\u003c/h2\u003e\n\n\u003cp\u003eIf you are no longer insured under the Anw scheme, you can opt for voluntary insurance. You then pay an annual premium to the SVB.\u003c/p\u003e\n\n\u003cdiv class=\"notification\"\u003e\u003cspan class=\"sr-only\"\u003eAttention: \u003c/span\u003eIf you take out voluntary insurance this does not always mean that your surviving dependants will receive benefit if you die. They must also meet certain \u003ca href=\"/surviving-dependants-benefit-abroad/receive\" data-type=\"internal\"\u003econditions\u003c/a\u003e.\u003c/div\u003e\n\n\u003cdiv class=\"notification\"\u003e\u003cspan class=\"sr-only\"\u003eAttention: \u003c/span\u003eIt is likely that you are insured in the country where you live or can opt for voluntary insurance for surviving dependants\u0026#8217; benefit. You can decide yourself whether you want to be insured in the country where you live or in the Netherlands.\u003c/div\u003e\n\n\u003ch3\u003eCost\u003c/h3\u003e\n\n\u003cp\u003eThe premiums for voluntary Anw insurance change each year. The amount you pay depends on your income.\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://www.svb.nl/nl/vv/kosten-vrijwillig-verzekeren/wat-kost-vrijwillig-verzekeren-buiten-nederland\"\u003eCalculate your premium on the website of the SVB\u003c/a\u003e (information in Dutch).\u003c/p\u003e\n\n\u003ch3\u003eRequesting a quote\u003c/h3\u003e\n\n\u003cp\u003eIf you would like to take out voluntary insurance for surviving dependants\u0026#8217; benefit with the SVB, first request a quote. This can be done in 3 ways:\u003c/p\u003e\n\n\u003cul\u003e\n \u003cli\u003eVia \u003ca href=\"https://www.svb.nl/en/mijnsvb\"\u003eMy SVB\u003c/a\u003e (information in Dutch). For this you need a \u003ca href=\"/digid-abroad/what-is-digid\" data-type=\"internal\"\u003eDigiD\u003c/a\u003e or a \u003ca href=\"/eu-approved-login-key\" data-type=\"internal\"\u003erecognised means of eID from another European country\u003c/a\u003e.\u003c/li\u003e\n \u003cli\u003eUsing the \u003ca href=\"https://mijnsvb.svb.nl/wizard-migranten/flow/aanvraagvvpubliek?inloggen=false\"\u003eonline form\u003c/a\u003e (information in Dutch).\u003c/li\u003e\n \u003cli\u003eBy post using a \u003ca href=\"https://www.svb.nl/nl/media/3208NT.pdf\"\u003eprinted form\u003c/a\u003e (PDF) (information in Dutch).\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003ch2\u003eIf your personal situation changes\u003c/h2\u003e\n\n\u003cp\u003eCheck what else you need to arrange in the following situations:\u003c/p\u003e\n\n\u003cul\u003e\n \u003cli\u003e\u003ca href=\"/moving-abroad\" data-type=\"internal\"\u003eEmigrating or moving abroad\u003c/a\u003e\u003c/li\u003e\n \u003cli\u003e\u003ca 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