The Algemene Nabestaandenwet (Anw), or General Surviving Relatives Act, is the Dutch national insurance scheme that provides a monthly benefit to the surviving partner of a deceased insured resident, as well as a separate orphan benefit for children who have lost both parents.
Entitlement is conditional. A surviving partner qualifies if they were born before 1950, are caring for a child under 18, or are assessed as at least 45% incapacitated for work. The benefit is means-tested against the survivor's own income from work and substitute income. The Sociale Verzekeringsbank (SVB) pays out and assesses claims.
The Anw is financed through a national insurance premium levied together with wage tax on income in the first bracket. Employers handle the deduction through payroll. Employees often supplement the statutory cover with employer-sponsored survivor pension arrangements, since the Anw alone rarely replaces household income in full.