{"id":8066,"date":"2024-02-01T14:41:45","date_gmt":"2024-02-01T12:41:45","guid":{"rendered":"https:\/\/robeco.catapult.dev\/nabestaandenpensioen\/anw-en-anw-hiaatregeling\/"},"modified":"2024-05-10T08:45:03","modified_gmt":"2024-05-10T06:45:03","slug":"shortfall-pension-pursuant","status":"publish","type":"page","link":"https:\/\/pensioenfondsrobeco.nl\/en\/dependents-pension\/shortfall-pension-pursuant\/","title":{"rendered":"Shortfall pension pursuant"},"content":{"rendered":"
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Shortfall pension pursuant<\/h1><\/header> <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div> \r\n <\/div>\r\n
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A shortfall insurance for all employees<\/h2>\n

Since the introduction of the Anw (Dutch Dependents Benefits Act), the government has drastically reduced benefits for dependents.\u00a0 Therefore Robeco has a shortfall insurance for all its employees.<\/h4>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div> \r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n<\/div>\n\n
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The Dutch Dependents Benefits Act (Anw) is a statutory basic provision in the Netherlands for dependents in case of your demise. Whether or not someone qualifies for the Anw depends on their age, family situation, and income. The Anw continues until the dependent reaches the state pension age or enters into a cohabitation arrangement. Upon reaching state pension age, the dependent receives a state pension.<\/p>\n

Anw shortfall benefit<\/strong><\/h4>\n

Since the introduction of the Anw, the government has drastically reduced benefits for dependents. If you die, your partner is entitled to benefits only if he\/she:<\/p>\n

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  • was born before 1950<\/li>\n
  • or has a child younger than age 18<\/li>\n
  • or is 45% unfit for work.<\/li>\n<\/ul>\n

    Moreover, the Anw benefit depends on the dependent\u2019s own income. If your partner has an income of his\/her own, this income is deducted from the dependent\u2019s benefit. In order to cushion the loss of income if an employee dies, the standard procedure adopted by Robeco is to take out a\u00a0 shortfall insurance (Anw-hiaatverzekering) for all its employees.<\/p>\n <\/div>\n <\/div>\n