Cohabiting

​If you decide to cohabit, it’s important you think about your pension.

​If you decide to cohabit, it’s important you think about your pension.

You have to register your partner with us yourself
Your municipality will not automatically inform us when you cohabit. Consequently, it’s vital that you register your partner with us yourself. If you don’t register your partner, your partner won’t receive a partner’s pension from us if you die. Use this form to register your partner.(Dutch)

Once you have registered your partner, you have a choice of two options
Once you have registered your partner, you have a choice of two options:
1. Do you want to accrue extra pension for your partner?
2. Do you want to insure a surviving dependant’s pension (Anw-pensioen) for your partner?

If you are going to cohabit, you do not need to inform us of this fact.

This will not affect the pension you receive from us. You and your new partner were not together when you accrued pension. Consequently, your partner won’t receive a pension from us if you die. 

You will receive less state pension (AOW)
Your state pension will go down if you marry or cohabit. People who live alone receive more state pension than people who live in the same house as their partners. Here you can view the state pension (AOW) amounts.