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Anw-gatverzekering - linked of insurers


Under Anw-gat understand we the difference between the benefit on which surviving dependants had right under (meanwhile to expire) the general widows and being law (aww) and the present Surviving Dependants Act (Anw insurance). As a result of the setting-up of the Anw insurance surviving dependants can be faced with a very strong income decline. The Anw insurance lays the responsibility for making a financial surviving dependant arrangement mainly at persons themselves. The income difference can be prevented with Anw-gatverzekering. Further specificatieDe most important causes of income loss zijn:de aww knew no income procession, the Anw insurance, however. Briefly said it comes there on that a surviving dependant was entitled to a fixed benefit under aww, irrespective of possibly other one income. Under the Anw insurance income related to previous work of a surviving dependant, such as a benefit under the WAO INCAPACITY BENEFIT or WW, entirely is deducted on the surviving dependant benefit. Incomes related to previous work, such as income from service link and/or profit from enterprise, are shortened partially. As from a certain amount to income, the right to a survivor's benefit expires. Roughly speaking is that as from € 120,000 gross per year. A surviving dependant with a child younger than 18 years, receives under the Anw insurance a benefit of up to 90% of the nettominimumloon, whereas this was under aww 100% of the nettominimumloon. The group surviving dependants who are entitled to a benefit under the Anw insurance, is more limited than under aww. Claimants under the Anw insurance is only: surviving dependants who are born for 1 January 1950; surviving dependants born after 1 January 1950 that a child younger than 18 years must look after (as soon as the youngest child 18 years or parent is the benefit expires); surviving dependants who at least 45% have been explained incapable of work each are married, or unmarried cohabiting, born on or after 1 January 1950 each married or unmarried cohabiting, born for 1 January 1950, of which the survivor's benefit is reduced by income t PremieDe premium is especially dependent of the age of the insured person and the age on the one which receives the benefit after death of the insured person. BijzonderhedenDe Anw-gatverzekering can be closed individually. More usual is the existing pension scheme extend with this supplement. For employees this collective has been mostly regulated.
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