The Social Security Office (Sociale Verzekeringsbank, SVB) is the organisation that administers the national insurance schemes in the Netherlands. Information on social security can be found on the organisation’s website ‘svb.nl’. Information pages are provided in several languages.

If you are going to live or work in the Netherlands you are in principle covered under the Dutch social security system. However, there may be exceptions. You can read more about the rules that apply to you on the official European Commission website.

As a rule, you only pay social security contributions in the country where you actually work (as an employee or self-employed). There are some cases when you can be working in the Netherlands but be paying your social security contribution in another country, such as:

• you work outside the Netherlands and do not have a Dutch secondment certificate
• you work as a civil servant for another country’s embassy or consulate, or for an international organization such as NATO, the European Union or Europol. Your family members will only be insured if they work in the Netherlands
• you work for the government of another country or for the Antillean or Aruban government. In that case, your family members will not be covered under Dutch national insurance either
• you work in international transport for a non-Dutch employer, transporting persons or goods mainly outside the Netherlands
• you are a musician, performing artist or sportsperson working in the Netherlands for a short period of time
• you are studying in the Netherlands temporarily and are not employed

Find out whether you are covered by social insurance in the Netherlands on the SVB:

https://www.svb.nl/en/the-wlz-scheme

Social security benefits are determined based on your income and assets. These include everything you own including your bank savings (i.e. car, jewellery, properties). Please note that no claims can be made within the first three months of moving to the Netherlands. Below is a summary of the five insurance benefits and allowances provided by the Dutch Government through the Social Security Office – SVB (Sociale Verzekeringbank):

• Kindersbijslag (child benefit) – This is money paid by the government towards the expenses of raising a child. If you live or work in the Netherlands and you have a child or children under 18, you are eligible for the Dutch child benefit. It is available to all families independent of income or wealth. Click here for more information
• Algemene Ouderdomswet – AOW (state pension) – The AOW is a basic state pension for people who have reached their AOW pension age. If you live or work in the Netherlands, you will almost certainly be insured under the AOW scheme. Click here to know about the pension age in the Netherlands and eligibility
• Nabestaandenuitkering ANW (survivor benefit) – This benefit provides financial support from the government for people whose partner has died and has children younger than 19 and for children who are orphaned
• TOG allowance – This allowance is for children who are disabled or seriously ill and thus who often need more care than healthy children. If your child lives at home with you, you may qualify for this allowance
• Wet langdurige zorg WLZ (long term nursing) – Whilst it is compulsory for everyone who is living in the Netherlands to take out a basic health insurance, everyone who lives or works in the Netherlands is automatically insured under the Act for long-time care (WLZ). This Act provides reimbursement for care that is not covered by the regular health insurance.

Visit the Social Security Office (SVB) website for the complete list of available national insurance schemes and last updates.

Whether you are eligible for the child-related budget depends on your family income and assets. If you qualify, you will receive a letter from them within eight weeks. If you don’t hear from the Belastingdienst, it means that your family income is too high to get this benefit. However, if you think you are entitled to a child-related budget, you can request it online with your DigiD account via ‘Mijntoeslagen’. Further information is available https://www.belastingdienst.nl/wps/wcm/connect/bldcontentnl/belastingdienst/prive/toeslagen/kindgebonden-budget/voorwaarden/ (in Dutch only)

If you work or study in the Netherlands you may be entitled to a benefit. You can apply to the Belastingdienst (Tax Authorities) in order to receive a contribution towards the costs of your  Dutch healthcare insurance (zorgtoeslag), rented house (huurtoeslag) or children (kindgebonden budget). Visit the Belastingdienst’s website in order to find general information on how benefits work.