Exceptions to AOW Voluntary Insurance Abroad for Zoetermeer Residents

The AOW voluntary insurance has various exceptions that are essential for residents of Zoetermeer who emigrate. For example, if you move from Zoetermeer to a treaty country such as Australia or Canada, automatic coverage often applies without voluntary premium payment. For non-treaty countries such as Thailand or the US, voluntary insurance is mandatory to prevent pension gaps. A crucial exception is the 'fictitious insurance' for those who lived in the Netherlands, including Zoetermeer, before 1951 and emigrated. For EU citizens from Zoetermeer, more lenient rules apply via Regulation 883/2004. Do you live outside the Netherlands for longer than six months? Then you risk losing entitlement, unless you submit an application to the SVB in time via the Zoetermeer municipal counter or online. Note: in the case of dual nationality, your right may lapse if you declare another country as your country of residence. Practical advice for Zoetermeer residents: check your personal situation via the SVB counter or the UWV office in the Zoetermeer region. If the reference date (five years before AOW age) is exceeded, you must still pay premiums, sometimes with retroactive effect. These rules prevent financial surprises and protect your pension rights, specifically tailored to emigrants from Zoetermeer.