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Source: VluchtelingenWerk Nederland / Goedele Monnens
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This is what you need to arrange financially if your family situation changes

Last updated: 08/01/2025, 16:31

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

Report changes for your benefits

Check your allowances and adjust them

You can arrange joint contents insurance

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

You can arrange joint contents insurance

You can now file your annual tax return together

Arrange your pension for when 1 of you dies

You can make a will

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

Check your allowances and adjust them

You can apply for child benefit

Sometimes you can apply for child budget

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

You deregister at the address

You arrange child support

You adjust your insurance and pensions

You divide your joint assets

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

Sometimes you can apply for survivor benefits

Sometimes you may be entitled to a survivor's pension

Sometimes you can have a death benefit insurance policy paid off


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