Reader's question: Inheritance upon death, whether or not properly arranged?


Dear readers,

I myself live with a Thai here in Thailand, now my question is how are these girlfriends or wives left behind or have most of them arranged something?

I have recently heard many reactions from Thai ladies who were married or living together and the man has died that there is nothing to be gained while everything was arranged properly beforehand according to the man.

If you don't arrange anything, I find this anti-social, how do you feel about this?

With kind regards,


  1. SOI says out

    When I die my Thai wife, with whom I have been married for many years (married in NL, registered in TH) receives our savings from both NL and TH bank accounts. Excluding the 800,000 ThB associated with the visa extensions, it is separate and will receive it. Plus a substantial survivor benefit from my pension fund, (and some AOW pension from the SVB, I think, someday!) Of course our house in TH is for her, plus all other movable property, including 1 SUV and 1 small Honda. In addition, she owns various rai land. Not only now, but later she is too warm, and not just because of the weather.

    I also know several retired people who take their wives into account. The saddest case was of a 67-year-old who, after inquiring from his 30-year-old TH wife (married in the Netherlands), reported that she had arranged everything for her. He told her that after his death she would receive a full state pension from the Dutch government. Plus his company pension. As proof of this, he had shown her the website of the SVB and the papers of his pension manager. She did not trust it and showed my wife the papers. It turned out to be several A4 pages from a brochure, with weighty letterheads and full calculations based on forecasts at various percentages, etc.

    My wife and I fully informed her, and I confronted him with his behavior.
    They later left for TH. Things went smoothly there, and she left. At his request, they did not divorce, so that he could continue to live in her home, and that he could continue to receive his full AOW including full partner allowance. For the TH and NL administrative outside world, he acts as if he is living together. It has been possible for 7 years already.

    What strikes me is that if you talk to pensionados like this and only receive brief information, (people are not keen to talk about this kind of private matters), it is when the relationship started later in life and they are therefore older themselves , people have arranged less to inheritance. This has to do with the fact that it is no longer possible to transfer part of the pension to the current partner in the form of a survivor benefit. Nothing can be arranged with the AOW either. (And good thing too!) There is little savings, people were required to pay maintenance and they don't want to support anyone else. Sometimes there is only 400 thousand ThB in the bank because of the "marriage" visa, and this is considered sufficient.
    Strangely enough, people also often hold on to the "conviction" that the TH wife receives an NL benefit after his death, e.g. from the SVB from the ANW. Which also fools oneself.

    That does not matter, as long as it is communicated openly and honestly, and people make an effort to ask the NL authorities what is applicable to their situation. Fear of zero on the petition is then usually on the agenda.

    However: doing nothing, providing the wrong information, and deluding the other person is of course morally reprehensible. You deliberately mislead someone. Indeed, sometimes it happens that someone chooses only for their own convenience, and in TH takes a wife to celebrate their own convenience. This may be the case from which the questioner derived his example: to persuade the other person to continue to provide for her.

    Finally: if a Thai woman dies behind the net after her NL husband dies because she thought something could be achieved, and so the questioner formulates his issue, then it is a matter of the lid on my nose because the bottom was required. I once heard an acquaintance advising her friend to go into the sea with an older farang, because they no longer live that long. That also happens. And for those who are in good faith and of good will: at every Thai bank you can buy life insurance at low costs. You already have 5 thousand baht / month. Gives something certain.

    VA: F (1.9.22_1171)

  2. Bucky57 says out

    It is often the case that people can no longer register their new partner with their pension fund. You can usually do that before you get a pension and you often have to have at least a cohabitation contract. It is not the case that if people simply live together in Thailand or the Netherlands and the partner falls away, they will automatically receive a survivor's pension. The payment of a life insurance policy can also be difficult or completely blocked. If one has no will or has otherwise recorded that any surviving relatives in the Netherlands are first entitled to a possible payment of a life insurance policy. But the biggest reasons is simply that the pension beneficiary is too old to register a new partner for a possible surviving pension. Each pension fund uses different rules in this regard. So ask your pension fund carefully what their rules are. Regarding the ANW for this, the left behind partners are often not eligible as they are usually unable to meet the requirements that are set.
    The following also applies to the ANW
    If your partner dies, you are entitled to a survivor benefit. Conditions apply for this. For example, your partner must have been insured under the General Surviving Relatives Act (Anw).
    The latter, in particular, is often not met since many a Thailand citizen has deregistered and therefore no longer paid a national premium.

    VA: F (1.9.22_1171)

  3. to print says out

    I am concerned with the administrative consequences of the good friend's death. He was Dutch, his wife was Thai. They are married in the Netherlands, the marriage is legalized in Thailand. It was his first marriage, so not a divorced man.

    But like many, he had nothing in writing, that is, he did not make a will (Last will and Testament). Means that the Dutch bank accounts are blocked and only unblocked with a notary statement of Dutch inheritance law. And so there are still some bumps to take.

    If you make a will, the right of inheritance is fixed, including the heirs. If you do not have a will, the next of kin must prove that they are entitled to inheritance. And that gives a lot of administrative hassle.

    You have to deal with Dutch inheritance law and Thai inheritance law. It becomes even more complicated if there are children from a previous marriage. They are also heirs.

    So make a will. Via a well-known standing lawyer or if you are in the Netherlands, at a notary. You ensure a lot of rest and little administrative hassle after your death. Make a will and have it translated into English and legalized. Then it is also recognized outside of Thailand.

    VA: F (1.9.22_1171)

  4. Cor Verkerk says out

    We are officially married in both the Netherlands and Thailand.
    Living in the Netherlands.
    I bought the missing years for her AOW for her.
    This can be done within 10 years if your partner comes to live in the Netherlands.
    She will be 52 this year, so she has already built up 37 years (74% of Aow). This is 2% per year as long as we continue to live in the Netherlands. Just for the sake of convenience, it is assumed that the retirement age is 65.
    She is also entitled to the ANW.
    If you want information about buying the missing AOW years you can contact me via:
    A not too expensive facility that people can live on in Th

    Cor Verkerk

    VA: F (1.9.22_1171)



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