Survivors' pension via Anw insurance in Leiden

The General Survivors Act (Anw) provides survivors' pension upon death, comparable to the AOW voluntary insurance. In Leiden, with many young families around the university and expats on the outskirts of the city, top up missing years for partners and children to qualify for Anw benefit (max. 70% of AOW). Ideal for stay-at-home parents in neighbourhoods like Professorenbuurt, international researchers or ZZP'ers in the Leiden city centre without pension accrual. Premium: €20 fixed per month plus variable part, total approximately €250 per year. Apply via SVB, possible up to 15 years before AOW age; local advice via the Leiden Pension Service Point. Legal basis: Anw article 12 and Anw Decree. Benefit: partner receives 70% AOW if the deceased was fully insured; children 20-30%. Retroactive up to one year back. Advantages: low costs, lifelong benefit for children until 18 years. Disadvantage: no indexation on partner pension. Alternative to AOW: prioritise Anw for Leiden starter families. Example: topping up 10 years costs €2,500, yields €10,000+ upon death for survivors in Leiden-Noord. Combine with partner pension from disability insurance. Check your SVB personal budget online or with local advisors. This way you financially protect your family in the Key City. (218 words)