What is deducted from your AOW pension?

Payroll tax (loonheffing) is made up of wage tax and national insurance contributions. If you receive an AOW pension, you pay contributions for Dutch Anw survivor benefit (Anw ) and long-term care (Wlz). You do not pay any AOW pension contributions. 

You are entitled to a payroll tax credit . 

Everyone pays 2 types of health insurance contributions. 

The Zvw health insurance contribution is deducted automatically from your AOW pension. You do not have to do anything yourself. 

The other contribution is for your mandatory basic health insurance (‘basispakket’) with a Dutch health insurance company. You have to pay this contribution yourself directly to the insurer. 

How much you pay depends on your choice of health insurer and insurance package.

If you are permanently living in a care institution, you will have to pay part of the costs yourself. We call this the Wlz personal contribution. 

If you live in a sheltered housing or an assisted living facility , you will have to pay part of the costs yourself. We call this the Wmo personal contribution. 

The CAK determines how much Wlz or Wmo contribution you need to pay based on your income from 2 years ago. If your income has gone down in the meantime, you can ask the CAK to make a new calculation. 

We will deduct your personal contribution from your AOW pension if the CAK asks us to.