AOW Gap for Expats and Remigrants in Zoetermeer

Expats and remigrants in Zoetermeer often face an AOW gap due to years abroad without Dutch premium payments. AOW accrues through years of residence, not just work. Upon return to Zoetermeer, you can voluntarily insure for periods prior to emigration, provided it is within the deadlines. EU rules (Regulation 883/2004) count years of residence in other EU countries, but not outside without a bilateral treaty. For non-EU countries, pro rata offsetting applies. The SVB checks via international treaties. Practical example: an expat from the US returning to Zoetermeer with 20 Dutch years of residence receives 40% AOW; voluntary insurance fills up to 100%. In Zoetermeer, with its growing expat community around the Asia region headquarters and international companies, we see this often among remigrants from sectors like IT and logistics. Costs are higher for older applicants due to premium build-up. Important: report emigration and remigration timely to SVB to preserve rights – in Zoetermeer you can go to the local SVB office or via the municipality for support. Tax benefit via box 1 deduction. Advice: check your AOW accrual via mijn.svb.nl and fill gaps before AOW age. Alternative: Anw insurance for survivors' pension. This way you avoid financial surprises upon retirement in Zoetermeer. Contact local advisors such as PensioenVisie Zoetermeer for personal guidance.