This is what you need to arrange financially if your family situation changes
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If your family situation changes, it can affect your income and expenses. Whether you move in together, get married, have a child, separate, or lose a partner. This article tells you what you need to do in case of family changes.
You start living together
If you start living together, it will affect your benefits, allowances and possibly your taxes. Here are the most important things you need to take care of:
Register the fact that you are living together with the municipality
It is important that you officially register the fact that you are living together with the municipality. You do this by registering together at the same address. You can register at a municipal office or online through your municipality's website.
Report changes for your benefits
Check your allowances and adjust them
Merging your income may affect the amount of your alloances such as rental allowance and healthcare allowance. It is therefore important to inform the Dutch tax authorities that you are going to live together. The Dutch tax authorities will then calculate for you whether and how many allowances you will still receive.
You can arrange joint contents insurance
Pooling belongings increases the joint value of household contents. Joint contents insurance and liability insurance can be more economical and provide good coverage.
You are getting married or entering into a civil partnership
When you get married or enter into a civil partnership, in financial terms you become official partners for the Dutch tax authorities. This can affect your allowances, benefits and taxes.
Report changes for your benefits
Check your allowances and adjust them
Merging your income may affect the amount of your alloances such as rental allowance and healthcare allowance. It is therefore important to inform the Dutch tax authorities that you are going to live together. The Dutch tax authorities will then calculate for you whether and how many allowances you will still receive.
You can arrange joint contents insurance
Pooling belongings increases the joint value of household contents. Joint contents insurance and liability insurance can be more economical and provide good coverage.
You can now file your annual tax return together
You may choose to file tax returns together. This can be advantageous because, for example, you can share certain discounts. The Dutch tax authorities or a tax advisor can support you in this.
Arrange your pension for when 1 of you dies
Do you or your partner work? Often when you get married or are in a registered partnership, you are entitled to a survivor's pension. Check with the pension fund and make sure this is properly recorded.
You can make a will
A will allows you to record specific wishes. A notary can help with this. This is especially important if you have children. Or if you have specific wishes for heirs.
You have a child
When you have a child, your financial situation also changes. The birth of a child causes you and your partner to automatically become financial partners according to the Dutch tax authorities. You may also receive certain allowances and child benefit. This is what you need to arrange:
You automatically become a payment partner
When a child is born, parents who live together are automatically considered by the Dutch tax authorities to be allowance partners. From that moment on, the Dutch tax authorities calculate allowances based on your joint income. Check your allowances and report changes.
Check your allowances and adjust them
Merging your income may affect the amount of your alloances such as rental allowance and healthcare allowance. It is therefore important to inform the Dutch tax authorities that you are going to live together. The Dutch tax authorities will then calculate for you whether and how many allowances you will still receive.
You can apply for child benefit
Child benefit is arranged by the
Sometimes you can apply for child-related budget
Do you have a low income? Then you may be entitled to child-related budget. This is additional financial support. The amount depends on your income and the number of children.
You are separating or getting divorced
Divorce or no longer living together involves many financial and administrative issues. Here are the most important steps.
You are no longer an allowance partner
After the divorce, you are no longer an allowance partner. From now on, make sure that benefits are calculated based on your own income. Report this to the Dutch tax authorities, especially if the allowances were previously in your ex-partner's name.
You deregister at the address
If you are no longer living together at the same address, one of you must deregister from the municipality. This is important for municipal taxes and other expenses that are in your name. Do not forget to pass on address changes to banks, insurance companies and agencies.
You arrange child support
Do you have children? 1 of the parents may be required to pay child support. Agree on the child support and record it in a parenting plan. The court will ultimately decide if you have arranged it properly.
You adjust your insurance and pensions
Check if you need to adjust insurance policies after the divorce. Also consider your pension plans, as your ex-partner may be entitled to some of your accrued pension.
You divide your joint assets
Make arrangements to divide your assets, such as house, savings and other possessions. A mediator can help with this.
Your partner dies
The death of a partner has emotional and financial consequences. When your partner dies and you have to make funeral arrangements, it costs money. If your partner has funeral insurance, that insurance will cover the funeral or a large part of it. Sometimes you will also receive an inheritance from your partner. You need to arrange the following in terms of finances when your partner dies:
Report changes for your benefits
Check your allowances and adjust them
Merging your income may affect the amount of your alloances such as rental allowance and healthcare allowance. It is therefore important to inform the Dutch tax authorities that you are going to live together. The Dutch tax authorities will then calculate for you whether and how many allowances you will still receive.
Sometimes you can apply for survivor benefits
If your partner dies, you may be able to apply for benefits through the General Surviving Dependants Act (Algemene Nabestaandenwet, ANW). Contact the
Sometimes you may be entitled to a survivor's pension
If you were married or in a registered partnership, you may be entitled to a survivor's pension. Request this from your partner's pension fund or insurer.
Sometimes you can have a death benefit insurance policy paid off
If you had life insurance, it may help pay fixed expenses. Check with the insurer.