AOW decisions, explanation and objections
What is happening in your situation?
Do you have a question about an AOW decision? Find the calculation and the reason in the letter. Ask for an explanation of what is unclear and determine which part you want assessed.
Ask your question in the chat You are reading information from Juridisch Antwoord. This is not a website of SVB.
I received a letter
Choose the sender and the subject matching your message. For the listed letters, find the relevant guidance and preparation; always check deadlines in your own message.
The entered details stay on this page and are not stored or sent. The date is only for your own check; this aid does not calculate a deadline.What is happening in your situation?
Expand your question for a brief answer and a targeted next step.
I do not understand my AOW decision
The SVB can explain how the decision was made. Note in advance which period, calculation or circumstance you do not understand. Also keep track of the final response date.
I want to object to my AOW decision
The SVB explains how to object online or by letter. State the decision and why you disagree with it. The decision states the date by which your objection must be received.
I want help with my response
Someone else can help you or act on your behalf. Agree which documents and authorisation are needed for this. A lawyer can assess which arguments are relevant to your AOW case.
Related guidance
Related guidance
Have these ready
Prepare your next stepFill in and save · Word
Tick what you have checked or collected. Note what is missing and take your overview to a meeting.
Unless saved in My overview: Your entries stay only on this screen. Download before leaving; closing or reloading clears them. Do not enter identity numbers, passwords or unnecessary personal details.
What do you still need for your next step?
Item 1 / 3 · Where do you stand with this item?
The AOW decision with calculation
This overview follows your own answers. It does not assess your rights or guarantee that your file is complete.
Your choices stay here. Use the buttons below if you want to save or download.
View all details, notes and timeline
Your timeline and evidence
List events and contacts. Note where you keep the evidence; no upload is needed.
What goes in my timeline?
Record what happened, when, the response and where to find the letter, message or photo. Mark uncertain dates.
Is my evidence sent?
No. You only note where it is kept. No files are uploaded or sent automatically.
How do I save my timeline?
Your entries are not saved automatically. Choose Save and continue later to store this preparation, including your timeline, in My overview. Wait for confirmation and save new changes again. You can also download a Word file without an account.
Up to 20 events. Choose a different position for an event to change the order.
0 / 3 · 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
These are your own notes. Confirm agreements with the other person; these notes do not prove their agreement.
This is your preparation, not a submitted request, objection or legally reviewed document. A tick records only your own progress. Check the procedure and deadline in the original letter.
Save and continue later
Clear entries
Download anything you want to keep first. Clearing cannot be undone.
- The AOW decision with calculation
- Documents about the period or situation your question concerns
- Earlier responses and acknowledgements of receipt
Note the date by which you must respond. If you are unsure about the deadline, seek help in time and do not wait only for a response in the chat.
Describe your question without your BSN, bank account number or other unnecessary personal information.Lawyer specialising in social security law
Look for experience with AOW. If you lived or worked abroad, mention this immediately: these circumstances may be relevant to the assessment.
Discuss experience with your subject, availability and costs. Also ask about possible assistance through your legal expenses insurance or state-funded legal aid.
You complete your application on our website. We assess your request for assistance and look for a suitable partner. You do not need to choose a profession or firm. An application is not yet an engagement.Does your question also concern another authority?
Sources and review of this explanation
This initial explanation was reviewed on 4 October 2026. The official pages mentioned set out the conditions and current next steps. The date does not automatically apply to other articles we link to.
Our working method