In the past, surviving relatives received a benefit from the General Widows and Orphans Act (AWW). Nowadays this has been replaced by the General Surviving Dependents Act (ANW). The consequences of the death of a partner within the family are great. In many cases the financial consequences alone are incalculable. In many cases, income is lost and costs increase. The increasing costs are related to, for example, childcare. The biggest problem is usually caused by the loss of income. Families must consider in time the financial consequences of the death of one of the partners. The government often entitles you to a benefit under the General Surviving Dependents Act (ANW).
What are the surviving relatives entitled to?
Various provisions may have been made to partially absorb the financial consequences. Under certain conditions, the remaining partner is entitled to an ANW benefit. In addition, the employer has often made provisions in the form of a survivor’s pension in the pension scheme. Families have also taken out insurance policies that pay out after death. These can be term life insurance policies that are linked to your own home, or they can be separate policies. There are also provisions for children in the form of orphan’s pensions. These are paid out up to a certain age.
When is there a right to ANW benefit?
The right to this benefit can exist for both married people (or registered partners) and unmarried cohabitants. Remaining partner who was born before 1950 and is not yet 65 years old is always entitled to this benefit. Under certain conditions, a partner born in or after 1950 may also be entitled to the benefit. These conditions are:
- The remaining partner takes care of one or more children up to the age of 18, or
- The remaining partner is at least 45% disabled.
One condition is that there must be a joint household. Rights may also exist for ex-partners. The condition is that the ex-partner was entitled to alimony from the deceased.
The amount of the ANW benefit
The amount of the benefit depends on the income that the remaining partner also receives. The income received in connection with work is fully deducted from the ANW benefit. This includes, among other things, an unemployment benefit and a WIA benefit. Income from labor (this includes profit, wages, early retirement) is partly ignored. Namely, 50 percent of the minimum wage is not taken into account, plus a third of the amount above that.
Other claims after death
The amount of the benefit from the deceased’s pension scheme depends entirely on the pension scheme agreed with the employer. Term life insurance policies are insurance policies that do not pay out a monthly amount, but a lump sum amount. The policy linked to the mortgage will not pay out to the remaining partner, but to the mortgage bank. This pays off the mortgage amount in whole or in part. The funeral insurance pays out an amount to pay for the funeral or this insurance pays out in kind. In that case, no payment will be made, but the funeral will be arranged.