WILLEMSTAD — The Sociale Verzekeringsbank (SVB) has published the pension amounts, contribution rates, and income and wage limits that will apply to social insurance schemes in 2026. The overview provides clarity on benefits such as the AOV old-age pension, widow’s and orphan’s pensions, as well as the income thresholds used for calculating social insurance contributions in the coming year.
According to the SVB, the AOV old-age pension will amount to 862 Curaçao guilders per month in 2026. For residents, a higher amount of 1,000 guilders applies, while the maximum supplementary allowance will be set at 591 guilders per month.
The benefit levels for widows and widowers have also been determined. These range from 400 guilders per month for beneficiaries aged up to 39 years, to 862 guilders per month for those in the 58 to 64 age group.
For orphan’s pensions, half orphans will receive monthly benefits ranging between 288 and 345 guilders, depending on age. Full orphans will receive amounts ranging from 315 to 398 guilders per month.
Contributions for employees and employers
The SVB also confirmed the contribution rates for employees and employers. For the AOV, the total contribution remains 15 percent of income, with 9 percent paid by the employer and 6 percent by the employee.
For the BVZ health insurance scheme, the total contribution rate remains 13.6 percent, consisting of a 9.3 percent employer contribution and a 4.3 percent employee contribution. Pensioners and self-employed individuals are required to pay the full percentage themselves.
In addition, the income ceilings for contributions have been established. For AOV and AWW, the income limit is set at 100,000 guilders per year. For the BVZ, the ceiling is 150,000 guilders per year, while for the AVBZ it is set at 606,247.08 guilders annually. The wage ceiling for the Sickness Insurance and Accident Insurance schemes will be 7,146.10 guilders per month, or 85,753.20 guilders per year, in 2026.
With the publication of these figures, the SVB provides clarity on the financial framework of Curaçao’s social insurance system for 2026, which is relevant for benefit recipients, employers, and employees alike.