Survivors' pension via Anw insurance in Amsterdam

In Amsterdam, the General Survivors Act (Anw) provides survivors' pension upon death, comparable to the AOW voluntary insurance. For partners and children in the vibrant city, where many expats, stay-at-home parents and self-employed workers live such as in the Pijp or Oud-West, you can top up missing years to qualify for Anw benefit (max. 70% of AOW). Ideal for Amsterdammers without automatic accrual due to flexible work or international careers. Premium: €20 per month plus variable part, total approximately €250/year. Apply via SVB, possibly through local advisors in Amsterdam-Zuid, up to 15 years before AOW age. Legal basis: Anw article 12 and Anw Decree. Benefit: partner receives 70% AOW if the deceased was fully insured; children 20-30%. Retroactive up to one year. Advantage: low costs, lifelong for children until 18 years, crucial in expensive city like Amsterdam with high housing costs. Disadvantage: no indexation on partner benefit. Alternative to AOW: prioritise Anw for young families in Amsterdam-Noord or Centrum. Example: topping up 10 years costs €2,500, yields €10,000+ upon death – essential for canal houses and young families. Combine with partner pension in disability insurance, check via SVB personal budget or local pension advisors at the Zuidas. This way you financially protect survivors in the heart of the Netherlands. (218 words)