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You are here: Home Moving to Getting Started Dutch social security system explained
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02/01/2014Dutch social security system explained

Dutch social security system explained The Dutch social security system is one of the most comprehensive in Europe but access to the welfare system is becoming more restrictive.

The Dutch social security system is one of the most comprehensive in Europe but access to the welfare system is becoming more restrictive. There are three strands:

  • National Insurance administered by the social insurance bank (www.svb.nl), which includes old age pension (AOW) and child benefit (AKW);
  • Employee Insurance administered by UWV (www.uwv.nl), including unemployment benefit (WW, see below), long-term disability (WIA) and sickness (ZW); and
  • Social Assistance administered by municipalities (www.rechtopbijstand.nl).

 

Specific conditions apply to each benefit. Also, do check that your residence rights are not affected if you apply for benefits. Your official documents will need to be in good order. Consult the Ministry of Social Affairs and Welfare website (www.szw.nl) for more information.

Social security in the Netherlands: Dutch benefits system

Unemployment benefit (WW)

Your employment history will determine the amount and duration of payments. It comprises the first two months at 75 percent and thereafter 70 percent of your last earned salary (there’s a maximum daily rate of EUR 195.96 gross). You must have worked for 26 out of the previous 36 weeks before the first day of unemployment (may be fewer if you are a musician or artist, or not in regular employment). It can be restricted if other benefits are in operation. You apply for benefit online at www.werk.nl or at a local office of UWV WERKbedrijf.

Voluntary work

A volunteer is a vrijwilliger and there are many opportunities depending on your skills. Expat advice centre ACCESS is always on the lookout for volunteers in its offices in Den Haag (www.access-nl.org).

 

Expatica 

Updated by Sanne van Ruitenbeek of Pallas Advocaten (www.pallaslaw.nl).
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Updated from 2012. Photo credit: stockmonkeys.com

 

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10 reactions to this article

MattiaRondinelli posted: 2012-07-30 20:48:18

Hi,
My name's Mattia,I'm an Italian 23yo student.
I will graduate in December and My intentions are
to apply for a master at the Universiteit van Amsterdam,where actually I spent my last year,under the Erasmus/LLP Program.
I would like to know if there will be the opportunity in 2013 to receive
government funds in the Netherlands.I'm asking since an Italian friend already living and studying there told me she is receiving some kind of money(but you hae to work 40 hours a month-that's what she said)
I thanks for this website and I kept
Waiting for answers

Paul posted: 2012-10-16 23:14:40

Hi,

You can get some money from the government if you work at least 32 hours per month. I've heard that you can get 300-350 euro (the amount can depend on whether you are dutch or not)

Lilia posted: 2013-03-21 13:00:06

[Edited by moderator. Please post (elaborate) questions on Ask the Expert or on our Forums. If you have questions for the Expatica staff, please contact us directly.]

diana posted: 2013-04-10 10:25:04

Hi,

I was jobless and got my WW (a time limited unemployment benefit - 3 months for me) and then, when i was still jobless and entitled to receive 'Bijstand' (some kind of welfare which isn't time limited), the government told me that I own a house and that that is why I wasn't going to be entitled to any 'Bijstand' (600-1200eur monthly). Now, they forced me to put my place on sale, and with this recession this is not working out well, because there are no buyers. So I argued with the Bijstand people that my house can't be sold, and I am running out of cash to survive. So they advised me that I should sell the place at a loss. I explained to them that this was ensane, because i have to live somewhere, and where am I to live if my place gets sold? they told me, I could return to them after I show them the sales deed, and then I should simply get some other place in the rental market (even if it is more expensive today to rent, than back in the days when I originally bought my place). They said everyone was in the same boat. Everyone will be forced to sell before getting any 'Bijstand'. If I didn't like it, I could get a loan from a bank to survive, but I already tried it, and the bank wasn't going to help.

I paid so much taxes and social securities over the past years, around 60% from my salary went to the government. Why don't I get anything back when I am in dire straits????

This country is unfairly penalizing home owners and pushing them even further down in financial problems by forcing them to exchange their purchased home for a rental again

emanuela posted: 2013-05-01 16:01:48

This is so true-never ever buy a place in NL!!!!
It will cut off any entitlement to state benefits (which I am sure you want to access after all those 52 to 60% salary tax payments!) for as long as you own the house!!

weischna posted: 2013-06-28 23:14:25

[Edited by moderator. Please post (elaborate) questions on Ask the Expert or on our Forums. If you have questions for the Expatica staff, please contact us directly.]

Michael posted: 2013-07-11 04:46:20

[Edited by moderator. Please post (elaborate) questions on Ask the Expert or on our Forums. If you have questions for the Expatica staff, please contact us directly.]

Maria Wilhelmina posted: 2013-09-26 22:49:57

[Edited by moderator. Please post (elaborate) questions on Ask the Expert or on our Forums. If you have questions for the Expatica staff, please contact us directly.]

vrede posted: 2014-05-26 12:59:22

The system of social security is based on a poverty trap. The gov is against people from owning assets except for the selected elite group. The reason is very simple. The woning corporation is controlled by some some extremely powerful people.

Helen posted: 2014-07-31 00:23:41

My Name is Helen Morgan, From United Kingdom. I wish to share my testimonies with the general public about what this spiritual doctor called Dr Aigbehi has just done for me, this man has just brought back my lost Ex husband to me with his great spell, I was married to this man called Morgan we were together for a long time and we loved ourselves but when I was unable to give him a child for 2 years he left me and told me he can’t continue anymore then I was now looking for ways to get him back until I saw a testimony about this same doctor on the internet on how he has cured so many disease and help people with other similar problems, then you won’t believe this when I contacted this man on my problems he prepared this spell and in two days after he told me that he was through with the spell work my lost husband came back with more love in his eyes, and after a month I miss my month and go for a test and the result stated am pregnant am happy today am a mother of a baby Boy, he said I will also get pregnant again if I wish to thank you once again the great doctor for what you have done for me, if you are out there searching for any of these spells or healing:

(1)Spell for protection from danger

(2)Spell for magic

(3)Spell for same sex love

(4)Spell for healing diseases

(5)Spell for invisibility

(6)Spell for riches and fame

(7)Spell to get a good job

(8)Spell for strong love and relationship

(9)Spell to bring your ex back

(10)Spell to become pregnant

(11)Spell for HIV cure

You can contact this great doctor on his email draigbehi@gmail.com and get all your problems solved.....

10 reactions to this article

MattiaRondinelli posted: 2012-07-30 20:48:18

Hi,
My name's Mattia,I'm an Italian 23yo student.
I will graduate in December and My intentions are
to apply for a master at the Universiteit van Amsterdam,where actually I spent my last year,under the Erasmus/LLP Program.
I would like to know if there will be the opportunity in 2013 to receive
government funds in the Netherlands.I'm asking since an Italian friend already living and studying there told me she is receiving some kind of money(but you hae to work 40 hours a month-that's what she said)
I thanks for this website and I kept
Waiting for answers

Paul posted: 2012-10-16 23:14:40

Hi,

You can get some money from the government if you work at least 32 hours per month. I've heard that you can get 300-350 euro (the amount can depend on whether you are dutch or not)

Lilia posted: 2013-03-21 13:00:06

[Edited by moderator. Please post (elaborate) questions on Ask the Expert or on our Forums. If you have questions for the Expatica staff, please contact us directly.]

diana posted: 2013-04-10 10:25:04

Hi,

I was jobless and got my WW (a time limited unemployment benefit - 3 months for me) and then, when i was still jobless and entitled to receive 'Bijstand' (some kind of welfare which isn't time limited), the government told me that I own a house and that that is why I wasn't going to be entitled to any 'Bijstand' (600-1200eur monthly). Now, they forced me to put my place on sale, and with this recession this is not working out well, because there are no buyers. So I argued with the Bijstand people that my house can't be sold, and I am running out of cash to survive. So they advised me that I should sell the place at a loss. I explained to them that this was ensane, because i have to live somewhere, and where am I to live if my place gets sold? they told me, I could return to them after I show them the sales deed, and then I should simply get some other place in the rental market (even if it is more expensive today to rent, than back in the days when I originally bought my place). They said everyone was in the same boat. Everyone will be forced to sell before getting any 'Bijstand'. If I didn't like it, I could get a loan from a bank to survive, but I already tried it, and the bank wasn't going to help.

I paid so much taxes and social securities over the past years, around 60% from my salary went to the government. Why don't I get anything back when I am in dire straits????

This country is unfairly penalizing home owners and pushing them even further down in financial problems by forcing them to exchange their purchased home for a rental again

emanuela posted: 2013-05-01 16:01:48

This is so true-never ever buy a place in NL!!!!
It will cut off any entitlement to state benefits (which I am sure you want to access after all those 52 to 60% salary tax payments!) for as long as you own the house!!

weischna posted: 2013-06-28 23:14:25

[Edited by moderator. Please post (elaborate) questions on Ask the Expert or on our Forums. If you have questions for the Expatica staff, please contact us directly.]

Michael posted: 2013-07-11 04:46:20

[Edited by moderator. Please post (elaborate) questions on Ask the Expert or on our Forums. If you have questions for the Expatica staff, please contact us directly.]

Maria Wilhelmina posted: 2013-09-26 22:49:57

[Edited by moderator. Please post (elaborate) questions on Ask the Expert or on our Forums. If you have questions for the Expatica staff, please contact us directly.]

vrede posted: 2014-05-26 12:59:22

The system of social security is based on a poverty trap. The gov is against people from owning assets except for the selected elite group. The reason is very simple. The woning corporation is controlled by some some extremely powerful people.

Helen posted: 2014-07-31 00:23:41

My Name is Helen Morgan, From United Kingdom. I wish to share my testimonies with the general public about what this spiritual doctor called Dr Aigbehi has just done for me, this man has just brought back my lost Ex husband to me with his great spell, I was married to this man called Morgan we were together for a long time and we loved ourselves but when I was unable to give him a child for 2 years he left me and told me he can’t continue anymore then I was now looking for ways to get him back until I saw a testimony about this same doctor on the internet on how he has cured so many disease and help people with other similar problems, then you won’t believe this when I contacted this man on my problems he prepared this spell and in two days after he told me that he was through with the spell work my lost husband came back with more love in his eyes, and after a month I miss my month and go for a test and the result stated am pregnant am happy today am a mother of a baby Boy, he said I will also get pregnant again if I wish to thank you once again the great doctor for what you have done for me, if you are out there searching for any of these spells or healing:

(1)Spell for protection from danger

(2)Spell for magic

(3)Spell for same sex love

(4)Spell for healing diseases

(5)Spell for invisibility

(6)Spell for riches and fame

(7)Spell to get a good job

(8)Spell for strong love and relationship

(9)Spell to bring your ex back

(10)Spell to become pregnant

(11)Spell for HIV cure

You can contact this great doctor on his email draigbehi@gmail.com and get all your problems solved.....

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