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class="Breadcrumb_text__560xQ">Home</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 64 64" height="20" width="20" class="Icon_icon__hNQtl " aria-hidden="true"><path fill="#000" d="M43.714 44.896l-3.839-3.63 6.214-6.844-1.365.266H10.667v-5.261h34.057l1.365.208-6.339-6.902 3.839-3.628 11.703 12.952z"></path></svg></a></li></ul></div></nav><main><div class="colored-background ActionArea_ActionArea__vZzqj" data-testid="action-area"><div id="first-content" class="content-wrapper"><header class="ActionArea_title__aTS3p "><h1 class="ActionArea_pageTitle__IJO8a">Retiring outside the Netherlands</h1></header><div class="RichText_container__QJWUn content-small-wrapper ActionArea_intro__2v5LN"><p>If you live abroad and are retiring, or if you are already retired and are moving abroad, there are a number of things you must take into account. Find out what arrangements you need to make in your situation.</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><span><span><span><strong><span><span>I am not yet receiving a pension from the Netherlands</span></span></strong></span></span></span></h2></div></div><div class="component-wrapper content-small-wrapper"><h3 class="AccordionItem_header__wJ8XV "><button class="AccordionItem_button__OC8hB" aria-expanded="false" aria-controls="accordion-panel-2-0" type="button"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 64 64" height="20" width="20" class="Icon_icon__hNQtl AccordionItem_icon__chBVl" 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><span class="AccordionItem_text__ipDOI">What is a pension?</span></button></h3><div id="accordion-panel-2-0" data-testid="accordion-panel" class="AccordionItem_panel__RMVBc AccordionItem_hidden__TDxEx"><div class="AccordionItem_panelContent__CCN0b"><div class="RichText_container__QJWUn "><p><span><span><span><span>A pension is regular income that you receive when you stop working or have reached a certain age. You can receive a Dutch pension even if you live outside the Netherlands. There are different types of pension, such as the basic state pension provided under the General Old Age Pensions Act (AOW).</span></span></span></span></p><p><a href="/retiring/what-is-a-pension"><span><span><span><span>What is a pension?</span></span></span></span></a></p><p><span><span><span><a href="/aow-pension-abroad/what-is-aow"><span>What is the AOW pension?</span></a></span></span></span></p><p></p></div></div></div><h3 class="AccordionItem_header__wJ8XV "><button class="AccordionItem_button__OC8hB" aria-expanded="false" aria-controls="accordion-panel-2-1" type="button"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 64 64" height="20" width="20" class="Icon_icon__hNQtl AccordionItem_icon__chBVl" 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><span class="AccordionItem_text__ipDOI">Finding out how much pension you have accrued</span></button></h3><div id="accordion-panel-2-1" data-testid="accordion-panel" class="AccordionItem_panel__RMVBc AccordionItem_hidden__TDxEx"><div class="AccordionItem_panelContent__CCN0b"><div class="RichText_container__QJWUn "><p><span><span><span><span>There are online tools that show you how much Dutch pension you have accrued or how much pension you can expect to receive from the Netherlands.聽 Depending on the country you live in, you can get all or part of your AOW pension.</span></span></span></span></p><p><a href="/retiring/how-much-pension"><span><span><span><span>How much pension have I accrued?</span></span></span></span></a></p><p><span><span><span><a href="/aow-pension-abroad/how-much"><span>How much AOW pension will I receive if I live outside the Netherlands?</span></a></span></span></span></p><p></p></div></div></div><h3 class="AccordionItem_header__wJ8XV "><button class="AccordionItem_button__OC8hB" aria-expanded="false" aria-controls="accordion-panel-2-2" type="button"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 64 64" height="20" width="20" class="Icon_icon__hNQtl AccordionItem_icon__chBVl" 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><span class="AccordionItem_text__ipDOI">Finding out your AOW state pension age</span></button></h3><div id="accordion-panel-2-2" data-testid="accordion-panel" class="AccordionItem_panel__RMVBc AccordionItem_hidden__TDxEx"><div class="AccordionItem_panelContent__CCN0b"><div class="RichText_container__QJWUn "><p><span><span><span><span>If you have lived or worked in the Netherlands, you will receive Dutch state pension (AOW) from the day on which you reach state pension age. Your AOW state pension age depends on your date of birth. Find out what your AOW state pension age is.</span></span></span></span></p><p><span><span><span><a href="/aow-pension-abroad/age"><span>What is my AOW state pension age?</span></a></span></span></span></p><p><span><span><span><a href="/aow-pension-abroad"><span>Receiving an AOW pension outside the Netherlands</span></a></span></span></span></p><p></p></div></div></div><h3 class="AccordionItem_header__wJ8XV "><button class="AccordionItem_button__OC8hB" aria-expanded="false" aria-controls="accordion-panel-2-3" type="button"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 64 64" height="20" width="20" class="Icon_icon__hNQtl AccordionItem_icon__chBVl" 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><span class="AccordionItem_text__ipDOI">Applying for basic state pension (AOW)</span></button></h3><div id="accordion-panel-2-3" data-testid="accordion-panel" class="AccordionItem_panel__RMVBc AccordionItem_hidden__TDxEx"><div class="AccordionItem_panelContent__CCN0b"><div class="RichText_container__QJWUn "><p><span><span><span><span>If you live outside the聽Netherlands, it is up to you to apply for your AOW pension in good time. You should do this 6聽months before you reach your AOW state pension age. How to apply depends on where you live.</span></span></span></span></p><p><span><span><span><a href="/aow-pension-abroad/how-to-apply"><span>How do I apply for an AOW pension outside the Netherlands?</span></a></span></span></span></p><p><span><span><span><a href="/aow-pension-abroad"><span>Receiving an AOW pension outside the Netherlands</span></a></span></span></span></p><p></p></div></div></div><h3 class="AccordionItem_header__wJ8XV "><button class="AccordionItem_button__OC8hB" aria-expanded="false" aria-controls="accordion-panel-2-4" type="button"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 64 64" height="20" width="20" class="Icon_icon__hNQtl AccordionItem_icon__chBVl" 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><span class="AccordionItem_text__ipDOI">Applying for a workplace pension</span></button></h3><div id="accordion-panel-2-4" data-testid="accordion-panel" class="AccordionItem_panel__RMVBc AccordionItem_hidden__TDxEx"><div class="AccordionItem_panelContent__CCN0b"><div class="RichText_container__QJWUn "><p><span><span><span><span>If you were employed in the Netherlands, you will probably have accrued a workplace pension through your employer. This pension supplements the basic state pension (AOW). </span>Contact the Dutch pension provider(s) where you built up your workplace pension.</span></span></span></p><p><span><span><span><a href="https://www.rijksoverheid.nl/onderwerpen/pensioen/vraag-en-antwoord/hoe-kan-ik-mijn-pensioen-aanvragen"><span>How do I apply for a workplace pension?</span></a><span> (information in Dutch)</span></span></span></span></p><p></p></div></div></div><h3 class="AccordionItem_header__wJ8XV "><button class="AccordionItem_button__OC8hB" aria-expanded="false" aria-controls="accordion-panel-2-5" type="button"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 64 64" height="20" width="20" class="Icon_icon__hNQtl AccordionItem_icon__chBVl" 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><span class="AccordionItem_text__ipDOI">Retirement and your UWV benefits</span></button></h3><div id="accordion-panel-2-5" data-testid="accordion-panel" class="AccordionItem_panel__RMVBc AccordionItem_hidden__TDxEx"><div class="AccordionItem_panelContent__CCN0b"><div class="RichText_container__QJWUn "><p><span><span><span><span>Find out how retirement affects your entitlement to benefits from the Employee Insurance Agency (UWV).</span></span></span></span></p><p><span><span><span><a href="/incapacity-benefit/stops"><span>How will retirement affect my incapacity benefit from UWV?</span></a></span></span></span></p><p><span><span><span><a href="/unemployment-benefit-outside-the-netherlands/benefit-stops"><span>How will retirement affect my unemployment benefit (WW) from UWV?</span></a></span></span></span></p><p><span><span><span><a href="/sickness-benefit-outside-the-netherlands/benefit-stops"><span>How will retirement affect my sickness benefit from UWV?</span></a></span></span></span></p><p></p></div></div></div><h3 class="AccordionItem_header__wJ8XV "><button class="AccordionItem_button__OC8hB" aria-expanded="false" aria-controls="accordion-panel-2-6" type="button"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 64 64" height="20" width="20" class="Icon_icon__hNQtl AccordionItem_icon__chBVl" 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><span class="AccordionItem_text__ipDOI">Applying for a DigiD or EU-approved login key</span></button></h3><div id="accordion-panel-2-6" data-testid="accordion-panel" class="AccordionItem_panel__RMVBc AccordionItem_hidden__TDxEx"><div class="AccordionItem_panelContent__CCN0b"><div class="RichText_container__QJWUn "><p><span><span><span><span>To access Dutch public services online and to log in to mijnpensioenoverzicht.nl, you will need a DigiD or an EU-approved login key. If you don't have one, find out how you can apply for a DigiD or EU-approved login key from another European country. If you currently or will soon receive an AOW state pension from the Netherlands, you can apply for a DigiD via the Social Insurance Bank (SVB).</span></span></span></span></p><p><span><span><span><a href="/digid-abroad/how-to-apply"><span>Applying for a DigiD</span></a></span></span></span></p><p><span><span><span><a href="/digid-abroad/how-to-apply-as-pensioner"><span>Applying for a DigiD if you are an AOW pension recipient</span></a></span></span></span></p><p><a href="/eu-approved-login-key/by-country"><span><span><span><span>Applying for an EU-approved login key</span></span></span></span></a></p><p></p></div></div></div></div><div class="component-wrapper content-small-wrapper"><div class="RichText_container__QJWUn "><h2><span><span><span><strong><span><span>I am receiving a pension from the Netherlands</span></span></strong></span></span></span></h2></div></div><div class="component-wrapper content-small-wrapper"><h3 class="AccordionItem_header__wJ8XV "><button class="AccordionItem_button__OC8hB" aria-expanded="false" aria-controls="accordion-panel-3-0" type="button"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 64 64" height="20" width="20" class="Icon_icon__hNQtl AccordionItem_icon__chBVl" 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><span class="AccordionItem_text__ipDOI">Check your health insurance</span></button></h3><div id="accordion-panel-3-0" data-testid="accordion-panel" class="AccordionItem_panel__RMVBc AccordionItem_hidden__TDxEx"><div class="AccordionItem_panelContent__CCN0b"><div class="RichText_container__QJWUn "><p><span><span><span><span>If you live abroad and receive a pension from the Netherlands, you may be required to take out health insurance via the CAK. This depends on where you live.</span></span></span></span></p><p><span><span><span><a href="/health-insurance-abroad/pension"><span>Find out what health insurance you need to arrange if you live abroad and receive a pension from the Netherlands</span></a></span></span></span></p><p></p></div></div></div><h3 class="AccordionItem_header__wJ8XV "><button class="AccordionItem_button__OC8hB" aria-expanded="false" aria-controls="accordion-panel-3-1" type="button"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 64 64" height="20" width="20" class="Icon_icon__hNQtl AccordionItem_icon__chBVl" 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><span class="AccordionItem_text__ipDOI">Filing a tax return</span></button></h3><div id="accordion-panel-3-1" data-testid="accordion-panel" class="AccordionItem_panel__RMVBc AccordionItem_hidden__TDxEx"><div class="AccordionItem_panelContent__CCN0b"><div class="RichText_container__QJWUn "><p><span><span><span><span>If you live abroad and receive a pension from the Netherlands, you usually have to pay Dutch tax on it. To file a Dutch tax return, you will need annual income statement(s) from your pension provider(s). Your particular situation will determine in which country or countries you are required to pay tax.</span></span></span></span></p><ul><li><span><span><span><span>If you live in Belgium, France, Germany, Poland or Spain and you receive a pension from the Netherlands, </span><a href="/tax-return-abroad/pension-from-netherlands"><span>find out how and where to file your tax return</span></a><span>.</span></span></span></span></li><li><span><span><span><span>If you live in another country , call the Tax Administration to find out how and where to file your tax return. </span><a href="https://www.belastingdienst.nl/wps/wcm/connect/bldcontenten/standaard_functies/individuals/contact/calling/tax_information_line_for_non_resident_tax_issues"><span>Call the international tax information line</span></a><span>.</span></span></span></span></li></ul></div></div></div><h3 class="AccordionItem_header__wJ8XV "><button class="AccordionItem_button__OC8hB" aria-expanded="false" aria-controls="accordion-panel-3-2" type="button"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 64 64" height="20" width="20" class="Icon_icon__hNQtl AccordionItem_icon__chBVl" 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><span class="AccordionItem_text__ipDOI">Applying for an exemption from income tax and national insurance contributions</span></button></h3><div id="accordion-panel-3-2" data-testid="accordion-panel" class="AccordionItem_panel__RMVBc AccordionItem_hidden__TDxEx"><div class="AccordionItem_panelContent__CCN0b"><div class="RichText_container__QJWUn "><p><span><span><span><span>Depending on the country where you live, your pension may be taxable there and in the Netherlands. But if the Netherlands has a tax treaty with the country, you may be exempted from paying tax in the Netherlands. You can apply for this exemption by filling in the Tax Administration's </span><a href="https://www.belastingdienst.nl/wps/wcm/connect/bldcontenten/themaoverstijgend/applications_and_forms/application-exemption-from-payroll-tax"><span>application form for exemption from wage tax/national insurance contributions deducted at source</span></a><span>. For this you need a</span><a href="/bsn"><span>citizen service number (BSN)</span></a><span>.</span></span></span></span></p></div></div></div><h3 class="AccordionItem_header__wJ8XV "><button class="AccordionItem_button__OC8hB" aria-expanded="false" aria-controls="accordion-panel-3-3" type="button"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 64 64" height="20" width="20" class="Icon_icon__hNQtl AccordionItem_icon__chBVl" 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><span class="AccordionItem_text__ipDOI">Sending proof of life</span></button></h3><div id="accordion-panel-3-3" data-testid="accordion-panel" class="AccordionItem_panel__RMVBc AccordionItem_hidden__TDxEx"><div class="AccordionItem_panelContent__CCN0b"><div class="RichText_container__QJWUn "><p><span><span><span><span>If you live abroad and receive a Dutch pension, the Social Insurance Bank (SVB) or other Dutch pension provider(s) may ask you for proof of life.</span></span></span></span></p><ul><li><span><span><span><a href="/aow-pension-abroad/life-certificate"><span>Find out how you can provide the SVB with proof of life</span></a><span>.</span></span></span></span></li><li><span><span><span><span>If your pension provider asks you for proof of life, contact them for more information.</span></span></span></span></li></ul></div></div></div></div></div></div></main><footer class="BrFooter_wrapperWithFeedbackBar__mp5SG"><div class="layout-wrapper"><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="UJb8TaAUQRsBelJb4YhEQrhAQBVYo2ujWqMpNgMk0XM=">{"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/retiring/_index_","type":"external"},"site":{"href":"/retiring/_index_","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":{"$ref":"/page/u5ba7e692a8a840849981954bff11450e"},"page":{"p1":{"id":"p1","links":{"self":{"href":"https://www.netherlandsworldwide.nl/resourceapi/retiring?_hn:type=component-rendering\u0026_hn:ref=p1","type":"external"}},"meta":{"definitionId":"0725f42c-30a6-41d7-8b2e-da1c13e7b735","params":{}},"name":"contentpage","label":"Content pagina","type":"component","children":[{"$ref":"/page/p1p1"},{"$ref":"/page/p1p2"},{"$ref":"/page/p1p3"},{"$ref":"/page/p1p4"},{"$ref":"/page/p1p5"},{"$ref":"/page/p1p6"}]},"u5ba7e692a8a840849981954bff11450e":{"type":"document","links":{"site":{"href":"/retiring","type":"internal"}},"meta":{},"data":{"name":"index","displayName":"Retiring","authority":"Ministerie van Buitenlandse Zaken","language":"en","description":"Do you live outside the Netherlands and are you retiring? Find out what arrangements to make in your situation.","title":"Retiring outside the Netherlands","creator":"Ministerie van Buitenlandse Zaken","countries":[],"topicTaxonomyKeys":["pensioen","aow"],"cooperatingPartners":["SVB"],"subjects":["pensioen","aow-uitkering"],"sdgContentType":null,"translations":[{"lang":"en","link":"/retiring"},{"lang":"nl","link":"/pensioen"}],"introduction":{"contentType":"hippostd:html","value":"\u003cp\u003eIf you live abroad and are retiring, or if you are already retired and are moving abroad, there are a number of things you must take into account. Find out what arrangements you need to make in your situation.\u003c/p\u003e"},"contentblocks":[{"contentType":"hippostd:html","value":"\u003ch2\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003cstrong\u003e\u003cspan\u003e\u003cspan\u003eI am not yet receiving a pension from the Netherlands\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/h2\u003e"},{"name":"p1o:contentblocks","displayName":"p1o:contentblocks","type":"Content","accordionitem":[{"name":"p1o:accordionitem","displayName":"p1o:accordionitem","content":{"contentType":"hippostd:html","value":"\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003eA pension is regular income that you receive when you stop working or have reached a certain age. You can receive a Dutch pension even if you live outside the Netherlands. There are different types of pension, such as the basic state pension provided under the General Old Age Pensions Act (AOW).\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"/retiring/what-is-a-pension\" data-type=\"internal\"\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003eWhat is a pension?\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/a\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003ca href=\"/aow-pension-abroad/what-is-aow\" data-type=\"internal\"\u003e\u003cspan\u003eWhat is the AOW pension?\u003c/span\u003e\u003c/a\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003c/p\u003e"},"title":"What is a pension?","contentType":"p1o:accordionitem"},{"name":"p1o:accordionitem","displayName":"p1o:accordionitem","content":{"contentType":"hippostd:html","value":"\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003eThere are online tools that show you how much Dutch pension you have accrued or how much pension you can expect to receive from the Netherlands.\u0026#160; Depending on the country you live in, you can get all or part of your AOW pension.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"/retiring/how-much-pension\" data-type=\"internal\"\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003eHow much pension have I accrued?\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/a\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003ca href=\"/aow-pension-abroad/how-much\" data-type=\"internal\"\u003e\u003cspan\u003eHow much AOW pension will I receive if I live outside the Netherlands?\u003c/span\u003e\u003c/a\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003c/p\u003e"},"title":"Finding out how much pension you have accrued","contentType":"p1o:accordionitem"},{"name":"p1o:accordionitem","displayName":"p1o:accordionitem","content":{"contentType":"hippostd:html","value":"\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003eIf you have lived or worked in the Netherlands, you will receive Dutch state pension (AOW) from the day on which you reach state pension age. Your AOW state pension age depends on your date of birth. Find out what your AOW state pension age is.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003ca href=\"/aow-pension-abroad/age\" data-type=\"internal\"\u003e\u003cspan\u003eWhat is my AOW state pension age?\u003c/span\u003e\u003c/a\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003ca href=\"/aow-pension-abroad\" data-type=\"internal\"\u003e\u003cspan\u003eReceiving an AOW pension outside the Netherlands\u003c/span\u003e\u003c/a\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003c/p\u003e"},"title":"Finding out your AOW state pension age","contentType":"p1o:accordionitem"},{"name":"p1o:accordionitem","displayName":"p1o:accordionitem","content":{"contentType":"hippostd:html","value":"\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003eIf you live outside the\u0026#160;Netherlands, it is up to you to apply for your AOW pension in good time. You should do this 6\u0026#160;months before you reach your AOW state pension age. How to apply depends on where you live.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003ca href=\"/aow-pension-abroad/how-to-apply\" data-type=\"internal\"\u003e\u003cspan\u003eHow do I apply for an AOW pension outside the Netherlands?\u003c/span\u003e\u003c/a\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003ca href=\"/aow-pension-abroad\" data-type=\"internal\"\u003e\u003cspan\u003eReceiving an AOW pension outside the Netherlands\u003c/span\u003e\u003c/a\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003c/p\u003e"},"title":"Applying for basic state pension (AOW)","contentType":"p1o:accordionitem"},{"name":"p1o:accordionitem","displayName":"p1o:accordionitem","content":{"contentType":"hippostd:html","value":"\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003eIf you were employed in the Netherlands, you will probably have accrued a workplace pension through your employer. This pension supplements the basic state pension (AOW). \u003c/span\u003eContact the Dutch pension provider(s) where you built up your workplace pension.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003ca href=\"https://www.rijksoverheid.nl/onderwerpen/pensioen/vraag-en-antwoord/hoe-kan-ik-mijn-pensioen-aanvragen\"\u003e\u003cspan\u003eHow do I apply for a workplace pension?\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e (information in Dutch)\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003c/p\u003e"},"title":"Applying for a workplace pension","contentType":"p1o:accordionitem"},{"name":"p1o:accordionitem","displayName":"p1o:accordionitem","content":{"contentType":"hippostd:html","value":"\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003eFind out how retirement affects your entitlement to benefits from the Employee Insurance Agency (UWV).\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003ca href=\"/incapacity-benefit/stops\" data-type=\"internal\"\u003e\u003cspan\u003eHow will retirement affect my incapacity benefit from UWV?\u003c/span\u003e\u003c/a\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003ca href=\"/unemployment-benefit-outside-the-netherlands/benefit-stops\" data-type=\"internal\"\u003e\u003cspan\u003eHow will retirement affect my unemployment benefit (WW) from UWV?\u003c/span\u003e\u003c/a\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003ca href=\"/sickness-benefit-outside-the-netherlands/benefit-stops\" data-type=\"internal\"\u003e\u003cspan\u003eHow will retirement affect my sickness benefit from UWV?\u003c/span\u003e\u003c/a\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003c/p\u003e"},"title":"Retirement and your UWV benefits","contentType":"p1o:accordionitem"},{"name":"p1o:accordionitem","displayName":"p1o:accordionitem","content":{"contentType":"hippostd:html","value":"\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003eTo access Dutch public services online and to log in to mijnpensioenoverzicht.nl, you will need a DigiD or an EU-approved login key. If you don\u0026#39;t have one, find out how you can apply for a DigiD or EU-approved login key from another European country. If you currently or will soon receive an AOW state pension from the Netherlands, you can apply for a DigiD via the Social Insurance Bank (SVB).\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003ca href=\"/digid-abroad/how-to-apply\" data-type=\"internal\"\u003e\u003cspan\u003eApplying for a DigiD\u003c/span\u003e\u003c/a\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003ca href=\"/digid-abroad/how-to-apply-as-pensioner\" data-type=\"internal\"\u003e\u003cspan\u003eApplying for a DigiD if you are an AOW pension recipient\u003c/span\u003e\u003c/a\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"/eu-approved-login-key/by-country\" data-type=\"internal\"\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003eApplying for an EU-approved login key\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/a\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003c/p\u003e"},"title":"Applying for a DigiD or EU-approved login key","contentType":"p1o:accordionitem"}],"actiontype":null,"contentType":"p1o:accordioncontentblock"},{"contentType":"hippostd:html","value":"\u003ch2\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003cstrong\u003e\u003cspan\u003e\u003cspan\u003eI am receiving a pension from the Netherlands\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/h2\u003e"},{"name":"p1o:contentblocks","displayName":"p1o:contentblocks","type":"Content","accordionitem":[{"name":"p1o:accordionitem","displayName":"p1o:accordionitem","content":{"contentType":"hippostd:html","value":"\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003eIf you live abroad and receive a pension from the Netherlands, you may be required to take out health insurance via the CAK. This depends on where you live.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003ca href=\"/health-insurance-abroad/pension\" data-type=\"internal\"\u003e\u003cspan\u003eFind out what health insurance you need to arrange if you live abroad and receive a pension from the Netherlands\u003c/span\u003e\u003c/a\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003c/p\u003e"},"title":"Check your health insurance","contentType":"p1o:accordionitem"},{"name":"p1o:accordionitem","displayName":"p1o:accordionitem","content":{"contentType":"hippostd:html","value":"\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003eIf you live abroad and receive a pension from the Netherlands, you usually have to pay Dutch tax on it. To file a Dutch tax return, you will need annual income statement(s) from your pension provider(s). Your particular situation will determine in which country or countries you are required to pay tax.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n\n\u003cul\u003e\n \u003cli\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003eIf you live in Belgium, France, Germany, Poland or Spain and you receive a pension from the Netherlands, \u003c/span\u003e\u003ca href=\"/tax-return-abroad/pension-from-netherlands\" data-type=\"internal\"\u003e\u003cspan\u003efind out how and where to file your tax return\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/li\u003e\n \u003cli\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003eIf you live in another country , call the Tax Administration to find out how and where to file your tax return. \u003c/span\u003e\u003ca href=\"https://www.belastingdienst.nl/wps/wcm/connect/bldcontenten/standaard_functies/individuals/contact/calling/tax_information_line_for_non_resident_tax_issues\"\u003e\u003cspan\u003eCall the international tax information line\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e"},"title":"Filing a tax return","contentType":"p1o:accordionitem"},{"name":"p1o:accordionitem","displayName":"p1o:accordionitem","content":{"contentType":"hippostd:html","value":"\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003eDepending on the country where you live, your pension may be taxable there and in the Netherlands. But if the Netherlands has a tax treaty with the country, you may be exempted from paying tax in the Netherlands. You can apply for this exemption by filling in the Tax Administration\u0026#39;s \u003c/span\u003e\u003ca href=\"https://www.belastingdienst.nl/wps/wcm/connect/bldcontenten/themaoverstijgend/applications_and_forms/application-exemption-from-payroll-tax\"\u003e\u003cspan\u003eapplication form for exemption from wage tax/national insurance contributions deducted at source\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e. For this you need a\u003c/span\u003e \u003ca href=\"/bsn\" data-type=\"internal\"\u003e\u003cspan\u003ecitizen service number (BSN)\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e"},"title":"Applying for an exemption from income tax and national insurance contributions","contentType":"p1o:accordionitem"},{"name":"p1o:accordionitem","displayName":"p1o:accordionitem","content":{"contentType":"hippostd:html","value":"\u003cp\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003eIf you live abroad and receive a Dutch pension, the Social Insurance Bank (SVB) or other Dutch pension provider(s) may ask you for proof of life.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n\n\u003cul\u003e\n \u003cli\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003ca href=\"/aow-pension-abroad/life-certificate\" data-type=\"internal\"\u003e\u003cspan\u003eFind out how you can provide the SVB with proof of life\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/li\u003e\n \u003cli\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003e\u003cspan\u003eIf your pension provider asks you for proof of life, contact them for more information.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e"},"title":"Sending proof of life","contentType":"p1o:accordionitem"}],"actiontype":null,"contentType":"p1o:accordioncontentblock"}],"rightsHolder":"Ministerie van Buitenlandse Zaken","publisher":"Ministerie van Buitenlandse Zaken","issued":1671715335679,"modified":1672997263781,"pagetype":"Overzichtspagina 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