Orphan's Pension Duration in Amsterdam: Until When?
The orphan’s pension duration determines how long children in Amsterdam are entitled to benefits following the death of a parent. This varies between AOW orphan's pension (via the Anw) and occupational pension (via the Pension Act). It typically runs until age 18 or 21, with possible extensions for studies. Discover the exact rules, conditions, and Amsterdam-specific examples in this article, tailored for residents of the capital.
What is an orphan's pension?
An orphan's pension provides financial support to children in Amsterdam who have lost a parent, easing the burden of upbringing. There are two types: AOW orphan's pension from the national insurance scheme and occupational pension orphan's pension from employment benefits. This article focuses on duration, building on our piece about survivors' pension.
Legal frameworks
The orphan’s pension duration is governed by two laws:
- General Surviving Dependants Act (Anw): for AOW orphan's pension (arts. 56-59 Anw). Simplified version effective from 1 July 2024.
- Pension Act (PW): for occupational pensions (arts. 68 and 75 PW). Minimum duration set, with details in the fund regulations.
In Amsterdam, SVB pays out the AOW orphan's pension; pension funds or insurers handle occupational pensions.
Duration of AOW orphan's pension (Anw)
AOW orphan's pension normally ends in the month the child turns 18 (art. 57 Anw). No automatic extension for studies. Entitlement only if:
- Child under 18 at time of death.
- Both parents deceased, or the deceased was a single parent (no partner/ex with custody).
Amount: 70% of the deceased's AOW (half if one parent deceased; full if both).
Duration of occupational pension orphan's pension
Under occupational pensions, the orphan’s pension lasts longer in Amsterdam. Standard:
- Full orphan's pension: until age 21 (PW art. 68(2) minimum).
- Half orphan's pension: if one parent deceased, also until age 21.
Extensions for study or unemployment often until 27 or 30, per regulations. Notify the fund.
Comparison: AOW vs. occupational pension
| Aspect | AOW orphan's pension (Anw) | Occupational pension (PW) |
|---|---|---|
| Standard duration | Until 18 | Until 21 |
| Study extension | No | Yes, until 27-30 |
| Conditions | Both parents deceased or single parent | Child <21, studying/unemployed |
| Amount | Approx. €250-€500 p.m. (2024) | Varies, 30-70% of parent's pension |
| Paying party | SVB | Pension fund/insurer |
Extension conditions
AOW: no option. Occupational pension:
- Recognized education (MBO, HBO, university, e.g., at UvA or HvA in Amsterdam).
- Income below threshold (often €15,000-€20,000/year).
- Submit proof (enrollment certificate, income statement).
Cohabitation or full-time employment usually ends the extension.
Amsterdam practice examples
Example 1: AOW orphan's pension
Mother from Amsterdam dies in 2024; 16-year-old child lives with father. No benefit unless father also passes away: then until 18.
Example 2: Occupational pension with extension
Father dies; 19-year-old studies at HvA. Basic until 21, extended to 25 with part-time job under threshold. Funds like ABP approve with annual checks.
Example 3: Ends due to income
22-year-old in Amsterdam earns €25,000: pension stops, even while studying.
Rights and obligations
Rights:
- Automatic start after death notification.
- Backdated to date of death.
- Objection within 6 weeks; appeal to Amsterdam District Court.
Obligations:
- Report changes (address, studies, income, cohabitation) within 1 month.
- Repay overpayments.
- Annual updates for extensions.
Frequently asked questions
Until when does orphan's pension run?
AOW: until 18. Occupational pension: until 21 (extendable). Check your Amsterdam pension regulations.
Does it stop during extension?
Yes, at end of studies, high income, cohabitation, or maximum age. Report promptly to avoid fines.
Studies abroad?
AOW: no if living abroad. Occupational pension: often yes, if regulations allow and income reported.
For stepchildren?
Yes, if under custody and insured; check regulations.
Tips for Amsterdammers
Maximize orphan’s pension duration in Amsterdam:
- Check documents: Parent's uniform pension statement and Anw entitlement at SVB.
- Report immediately: After death, contact SVB (0800-4680468) or fund.
- Plan ahead: Build reserves; link with benefits or DUO student finance.
- Seek help: Free advice at Amsterdam Legal Aid Office or Municipality of Amsterdam.