Can I pay my Dutch CAK personal contribution in instalments?
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Detailed explanation, checklist and sources
For overdue Wmo or Wlz invoices, you can often agree a payment plan with CAK. The standard starting points are at least € 10 a month and repayment within 36 months, alongside the current personal contribution. If that is unaffordable, call CAK to discuss a suitable solution.
On this page
1. Identify the CAK scheme
This page concerns Dutch Wmo and Wlz personal contributions. Gather invoices whose due dates have passed and identify the scheme on the letter. International healthcare arrangements and administrative health-insurance premiums have different options; do not apply these Wmo/Wlz limits to them.
2. Work out an affordable monthly amount
Compare the total overdue invoices with your available monthly budget. CAK specifies at least € 10 a month and full repayment within 36 months. Include the ongoing monthly contribution so the proposal does not create another arrears balance.
3. Apply to CAK for the plan
Request a plan through Mijn CAK or the official contact route for your contribution. Wmo also has an online form. Record which invoices to include, the affordable instalment and when you can start. Keep the request confirmation.
4. Call for non-standard circumstances
Always call if € 10 a month is unaffordable, 36 months is insufficient or you already have a plan. For Wlz, CAK also flags invoices dated before 1 January 2016. These situations require discussion; a local calculation is not CAK's commitment.
5. Separate current bills from a reduction request
Continue paying the current contribution alongside the agreed instalments. A payment plan does not lower the assessed contribution. If the income used no longer fits, consult the separate adjustment procedure. Challenging a decision is another action too.
6. Keep agreements and questions
Prepare an invoice record below and note the confirmed terms. A proposal is not automatically sent or accepted. Contact CAK as soon as an instalment becomes unaffordable; your municipality may help with multiple debts. Our assistance route can address a disputed decision.
What if I can afford less than € 10 a month?
Call CAK to discuss your circumstances and budget. Do not propose an unaffordable amount just because it is the standard minimum. CAK considers a suitable solution. The preparation below provides no automatic approval.
Documents to prepare
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Item 1 / 8 · Where do you stand with this item?
Wmo or Wlz identified
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Your timeline and evidence
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Record what happened, when, the response and where to find the letter, message or photo. Mark uncertain dates.
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0 / 8 · Checked or collected
For each event, note the date, what happened and where the evidence is kept. Example: 3 October — letter received — correspondence folder.
Describe the solution you would like, such as an explanation of a deduction and repayment of the outstanding amount.
For example: which document is missing, who can provide it and what should I do first?
Record the date and its source. If unknown, note this and check promptly. This tool does not calculate or monitor deadlines.
After your conversation
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Clear entries
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- Wmo or Wlz identified
- Overdue invoices and due dates
- Total outstanding
- Current monthly contribution
- Affordable monthly budget
- Existing payment plan
- Request and confirmed terms
- Exceptions and contact notes
Sources
Need personal assistance? Request a lawyer through our chat. We explain the next step; submitting a request does not engage a lawyer. The links below support the legal information.
CAK · Betalingsregeling aanvragen ↗CAK · Moeite met betalen eigen bijdrage ↗Sources may be in Dutch. General information about Dutch law, not individual legal advice.