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You are here: Home Finance & Business Pensions & Insurance Dutch social security system explained

08/10/2008Dutch 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.

 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 including unemployment benefit (WW see below), long-term disability (WAO, WIA) and sickness (ZW); and social assistance. 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: you'll need proof of identity, valid residence permit, proof of registration with the IND, work permit etc. There have been significant changes in the last few years. Consult the Ministry of Social Affairs and Welfare website (www.szw.nl) for more information.

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 177.03). You must have worked for 26 out of the previous 36 weeks before the first day of unemployment. It can be restricted if other benefits are in operation.  You apply for benefit at the CWI (www.werk.nl) and if no work is available, the application for benefits will be forwarded to the Institute for Employee Benefit Schemes (www.uwv.nl).

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 Amsterdam and Den Haag.

October 2008

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