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March 10, 2025
Smart Money

Many Netherlands Residents Missing Out on Benefits, CPB Reports

In a recent study released by the Centraal Planbureau (CPB), it has been revealed that a significant number of residents in the Netherlands are not taking full advantage of their rights to various subsidies. This report, based on research findings up to 2021, specifically highlights the instances of unclaimed housing benefits, healthcare subsidies, and child-related financial support.

Billions Left Unclaimed

The CPB discovered that in 2021, over €1 billion remained unclaimed by eligible individuals. This staggering amount underscores a trend where many eligible parties, particularly newly retired individuals and self-employed workers, fail to apply for financial aid they are entitled to receive.

A Closer Look at Self-Employed Individuals

Among self-employed individuals, the data indicates that more than 25% did not apply for healthcare subsidies in 2021. This is particularly striking as it suggests that many in this group may either be unaware of their eligibility or feel discouraged from applying due to potentially low payout amounts. The CPB noted that the majority of unclaimed subsidies pertained to lower amounts, particularly those capped at €50 per month.

Contrasting Trends among Welfare Recipients

Conversely, among citizens who are recipients of welfare, the CPB found a vastly different pattern. Less than 2% of this group did not claim their rights to child-related support, housing benefits, or healthcare subsidies. The report attributes this high utilization rate to their immediate connection with municipal agencies, which keeps these individuals informed about their entitlements. For welfare recipients, not applying for these benefits directly translates into losing a significant portion of their disposable income.

Long-Term Implications of Inaction

One major concern outlined in the report is the long-term impact of forgoing such benefits. The CPB emphasizes that many individuals have gone for years without utilizing their rights. Notably, households that do not apply for housing benefits over a span of four years may miss out on an average of €150 per month. These calculations highlight the substantial financial losses that can accrue over time due to a lack of awareness or action.

Encouraging Participation

The findings from the CPB serve as a critical reminder of the necessity for increased outreach and education concerning available subsidies and benefits. To maximize financial support among residents, especially those vulnerable demographics—like newly retired individuals and the self-employed— agencies may need to develop clearer communication strategies to ensure that all eligible individuals are aware of and can access their rights to financial assistance.

As the Netherlands continues to navigate economic challenges, ensuring that residents are equipped with the knowledge to claim their rightful benefits will be essential for both individual financial health and overall economic stability.