The General Surviving Dependants Act (Anw) provides for the state partner’s pension (AOW). If your employee dies, their partner will receive this pension if he or she complies with the following conditions:
Unfortunately, few people receive Anw benefits from the government, because there is an income limit. For that reason, you can insure an Anw top-up pension with us: the ‘Anw-Plus’ pension.
You can insure a maximum of €20,411 gross per year (amount in 2023) for each employee. Naturally, you can also choose a lower amount. But do note that the surviving partner will only be entitled to this if:
For the Anw-Plus insurance, we charge 1.6% of the insured amount per employee per year for all your employees. For example, if you have 30 employees and want to contract Anw-Plus insurance of €10,000, this will cost you:
Insured sum €10,000 * 30 employees * 1.6% contribution = €4,800 per year.
Your employees can also contract this insurance with us individually, but a different contribution will then apply, depending on the age of the employee and that of the partner.
Please contact us if you are interested in Anw-Plus insurance for your employees.
You can call us on +31 20 541 8300 or send us an email at email@example.com