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Understand netherlands social security system

The Dutch social security system is one of the most comprehensive in Europe but access to the Dutch welfare system is becoming more restrictive.

The Dutch social security system is one of the most comprehensive in Europe but access to the welfare system is becoming more restrictive. There are three strands:

  • National Insurance administered by the social insurance bank (, which includes old age pension (AOW) and child benefit (AKW);
  • Employee Insurance administered by UWV (, including unemployment benefit (WW, see below), long-term disability (WIA) and sickness (ZW); and
  • Social Assistance administered by municipalities (

Specific conditions apply to each benefit. Also, do check that your residence rights are not affected if you apply for benefits. Your official documents will need to be in good order. Consult the Ministry of Social Affairs and Welfare website ( for more information.

Unemployment benefit (WW)

Your employment history will determine the amount and duration of payments. It comprises the first two months at 75 percent and thereafter 70 percent of your last earned salary (there’s a maximum daily rate of EUR 195.96 gross). You must have worked for 26 out of the previous 36 weeks before the first day of unemployment (may be fewer if you are a musician or artist, or not in regular employment). It can be restricted if other benefits are in operation. You apply for benefit online at or at a local office of UWV WERKbedrijf.

Voluntary work

A volunteer is a vrijwilliger and there are many opportunities depending on your skills. Expat advice centre ACCESS is always on the lookout for volunteers in its offices in Den Haag (

Social security agreement between India and the Netherlands

1 December 2011 As of 1 December 2011, a social security agreement between India and the Netherlands has come into effect. The agreement outlines in which country Indian employees are covered by insurance. It means that an Indian employee working temporarily in the Netherlands is subject to Indian social security legislation. This also applies to employees seconded before or after 1 December 2011.

1 December 2011 onwards

As of 1 December 2011, Indian employees on secondment are covered exclusively under Indian social security legislation. To show they are insured in India, they require a secondment certificate. They are no longer insured under Dutch insurance schemes. The same applies to their family members living in the Netherlands, unless they work in the Netherlands, in which case they will be insured in the Netherlands. From this date, employers therefore no longer have to deduct and pay Dutch social insurance contributions for employees with a secondment certificate.

National insurance schemes

Consequences for employees;

  • AOW pension
    Employees stopped building up rights to an AOW old age pension as of 1 December 2011. For example, an employee who has already been working in the Netherlands for 4 years as of 1 December 2011 will have built up rights to 8% of the full amount of AOW pension. Each year of insurance entitles a person to 2% of the full AOW pension. The SVB will pay the AOW pension as from an employee’s 65th birthday. If you move to another country, this may affect your AOW pension. Restrictions apply to the payment of AOW pensions to certain countries. Employees requiring information about their AOW pension rights before they leave the Netherlands can visit and request an SVB pension statement (pensioenoverzicht). They will need a DigiD code for this. If you live outside the Netherlands, you cannot apply for a DigiD code in the traditional method, but may be able to apply for one directly from the SVB website (conditions apply).
  • Survivor benefit
    If an employee dies after 1 December 2011, a surviving partner is not entitled to a Dutch survivor benefit, unless the employee had taken out voluntary insurance to continue the insurance under the survivor benefit scheme. More information is available at
  • Child benefit 
    An employee’s entitlement to child benefit ended on 1 January 2012.

Employee insurance schemes

  • Unemployment
    Since 1 December 2011, the employee is no longer insured against the risk of unemployment. If the employee becomes unemployed, no Dutch unemployment benefit will be payable.
  • Sickness
    Since 1 December 2011, the employee is no longer insured against the risk of sickness. An employee who becomes sick is not entitled to a Dutch sickness benefit.
  •  Incapacity for work (WIA benefit)
    Since 1 December 2011, an employee is no longer insured under the WIA scheme. If an employee becomes incapacitated, India will pay the incapacity benefit because your employee will be insured under Indian legislation.

Health insurance

Since 1 December 2011, costs incurred for medical care are no longer reimbursed. Employers can, however, take out private health insurance to cover these costs.

Secondment certificates

Companies can apply for a secondment certificate for employees. It is advised that companies apply for secondment certificates as soon as possible so that employees will not have to repay any child benefit or reimbursements for medical costs. Indian company employees are advised to apply for the secondment certificate as soon as possible from The Employees’ Provident Fund Organisation; please visit Employees must keep an original copy of the secondment certificate. Employers must also keep a copy, so that in the event of an inspection, they can show that no contributions are due in the Netherlands. In cases where a request for a secondment certificate is still being processed by EPFO, the SVB may ask the employee/employer to show a copy of the application form.

List of Consumer Forum Websites in India

  1. Consumer-Voice
  2. Consumer Court Forum
  3. Consumer Complaints
  4. Consumer Grievance
  5. Consumer Daddy
  6. Consumer Court
  7. India Consumer Forum
  8. Complaint Board
  9. Consumer Court Forum
  10. Policy Complaints
  11. Ministry of Consumer Affair

JAANKARI – To File a RTI in Bihar

“JAANKARI” is a unique Bihar Government Initiative whereby ICT (Information, Communication and Technology) has been inventively and effectively employed in making Right to Information Act more broad based and accessible to the common man by bridging the literacy and digital divide. It is a Facilitation Center with phone in services, which helps people generate RTI applications and get information under the RTI Act.

The system has been designed in an “information at your doorstep” format whereby the hassles of physical movement by the common man have been removed. It works on the premium rate services of the BSNL – premium rate call number 155311 for RTI applications and 155310 as help line number on normal tariff have been allotted by the Department of Communication, Government of India.

JAANKARI was set up in January 2007 and has been running successfully generating applications under RTI for people all over Bihar. It was recently awarded as the Best E-Governance Initiative by the Government of India.

If you have any questions regarding this please visit to our website

RTI for Land Record in jharkhand

The Right to Information (RTI) Act has proved to be a boon for information seekers across the country as also Jharkhand. Missing land records in the state, however, remain one of the biggest problems, something which even the information commission in Jharkhand has failed to set straight. The chief information commissioner, Justice D K Sinha, former judge of the Jharkhand high court, talks to Sanjay Ojha about the problem of missing land records and piling cases owing to lack of adequate manpower in the commission. Following are excerpts…

The RTI has proved to be one of the most lethal weapons in the hands of the common man to extract information from government offices, which was almost impossible until a few years ago. How has the response been in Jharkhand?

Like any other place in the country, the RTI has proved beneficial to information seekers even in Jharkhand and thousands of people have benefited from it. On an average, 30 complaints reach the commission every day and we ensure that the complainant gets the information s/he is seeking.

There is a set format for getting information, which begins at the lowest level from the office of the principal information officer. Can an aggrieved person directly approach the commission with the complaint?

Yes, in case the government has not appointed the information officer for an office or the officer is not entertaining the application, the aggrieved person can directly approach the commission.

It is a common complaint that principal information officers try to hide facts and at times even demand huge fees. Collecting information is believed to be a long and tedious process?

Any government department, state assembly or even the judiciary, cannot take more than the amount fixed for a particular work. An information seeker can get every detail permitted under the law by paying Rs 10 as fee and Rs 2 per page in case of a government office. If the applicant needs information from the court, he will have to pay Rs 5 per page apart from the fee. For assembly, it is Rs 10 per page. If any officer is asking for more money in the name of fee and charges, the complainant should approach the commission.

Can you name the department against which maximum complaints reach the commission?

Most of the complaints are related to missing land records. It is surprising that 20-25% of the complaints received by the commission are related to land records. The matter has been brought to the notice of the government.

Has the commission punished those officials who were not able to provide information?

The commission has not only recommended departmental action against them, but also imposed a fine of Rs 25,000 in strict adherence to the RTE Act. In the last calendar year (2012), the commission issued orders against 18 officials.

Is the commission facing certain constraints at the moment?

Against the sanctioned strength of seven members, including the chief information commissioner, there are only two people working in the commission at the moment. The commission receives around 30 complaints every day. The rate of disposal is around 8-10 per working day. Around 5000 complaints are pending. If the government fills all the vacancies, we can expedite disposal and minimize pendency.


1. Birth Certificate

2. Caste Certificate

3. Tribe Certificate

4. Domicile Certificate

5. Driving Licence

6. Marriage Certificate

7. Death Certificate

Apply for:
1. PAN Card

2. TAN Card

3. Ration Card

4. Passport

5. Inclusion of name in the Electoral Rolls

1. Land/Property

2. Vehicle

3. With State Employment Exchange

4. As Employer

5. Company

6. .IN Domain

7. GOV.IN Domain

1. Waiting list status for Central Government Housing

2. Status of Stolen Vehicles

3. Land Records

4. Cause list of Indian Courts

5. Court Judgments (JUDIS )

6. Daily Court Orders/Case Status

7. Acts of Indian Parliament

8. Exam Results

9. Speed Post Status

10. Agricultural Market Prices Online

1. Train Tickets Online

2. Air Tickets Online

3. Income Tax Returns

4. Complaint with Central Vigilance Commission (CVC)

Contribute to: 
1. Prime Minister’s Relief Fund

1. Send Letters Electronically

Global Navigation 
1. Citizens

2. Business (External website that opens in a new window)

3. Overseas

4. Government

5. Know India

6. Sectors

7. Directories

8. Documents

9. Forms

10. Acts

11. Rules

RTI useful Url

State wise Websites and their RTI links

Karnataka RTI online

How to file an RTI Application

What is RTI?

The Right to Information Act 2005 provides for setting out the practical regime of Right to Information for citizens to secure access to information under the control of public authorities, in order to promote transparency and accountability in the working of every public authority.

When did RTI Act come into force?

The Central Right to Information Act came into force on the 12th October, 2005. However, before that 9 state Governments had passed state Acts. These were J & K, Delhi, Rajasthan, Madhya Pradesh, Maharashtra, Karnataka, Tamil Nadu, Assam & Goa.

Why do we need an Act to give us this right?

If you went to any Government Department and told the officer there, “RTI is my fundamental right, and that I am the master of this country. Therefore, please show me all your files”, he would not do that. In all probability, he would throw you out of his room. Therefore, we need a machinery or a process through which we can exercise this fundamental right.

Right to Information Act 2005, which became effective on 13th October 2005, provides that machinery. Therefore, Right to Information Act does not give us any new right. It simply lays down the process on how to apply for information, where to apply, how much fees etc. 

Who is covered under RTI?

Rights available under RTI

  • Ask any questions from the Government or seek any information.
  • Take copies of any government documents.
  • Inspect any government documents.
  • Inspect any Government works.
  • Take samples of materials of any Government work.

Who is covered under RTI

The Central RTI Act extends to the whole of India except the State of Jammu and Kashmir. All bodies, which are constituted under the Constitution or under any law or under any Government notification or all bodies, including NGOs, which are owned, controlled or substantially financed by the Government are covered.

Who will give you information about RTI

One or more existing officers in every Government Department have been designated as Public Information Officers (PIO). These PIOs act like nodal officers. You have to file your applications with them. They are responsible for collecting information sought by you from various wings of that Department and providing that information to you. In addition, several officers have been appointed as Assistant Public Information Officers (APIOs). Their job is only to accept applications from the public and forward it to the right PIO.

Steps to file an RTI

  1. Under section 6(1) of the RTI Act, 2005, get the information of the concerned public authority who is known as PIO (Public Information Officer). Every department has a PIO and the address can be found on the website of the department. In case the details of PIO are not available either on the website or RTI PORTAL, you need to visit the nearest office of the relevant organization or public authority and get the address of the concerned PIO.
  2. Write an application with the line “Request for Information under Right To Information (RTI) Act, 2005”. Mention your query point vise.
  3. There is a nominal fees of Rs.10 for filing RTI. The fee has to be submitted through a postal order/ CRF or by a bank draft. It should be in favor of Accounts Officer of a particular organization. For example, if RTI is being filed that concerns SBI Bank, it should be addressed to the Accounts Officer of SBI. And this has to be payable at the location of concerned department of PIO.
  4. You may send it by any means such as post, speed post etc. but not to be sent by courier. 
  5. Application form has to be duly signed by the applicant.
  6. Acknowledgement: All RTI applications have to be acknowledged within 30 days by concerned PIO or Organization. One needs to preserve the application number and date of filing or photocopies for future reference.

Requirements for Filing an RTI form

Essential Requirements for filing an RTI

(a) The applicant should be a citizen of India.
(b) The application should contain the particulars of information sought.
(c) The evidence of payment of application fee should be enclosed.
(d) The address of the applicant should be available for sending a reply.

Word limit for RTI applications

As per rule 3, an application shall not contain over 500 words, excluding annexures,  address of CPIO and the applicant. Word limit varies across Indian states. In few states such as Maharashtra, Karnataka and Madhya Pradesh, the word limit is 500 while it is 150 in Bihar and an application has limited to only one subject). 

The notification adds that no application shall be rejected only on the ground that it exceeds 500 word limit.

Types of Information that an applicant can seek

Records, documents, memos, mails, opinions, advices, press releases, circulars, images or any other computer-generated material, orders, log books, contracts, reports, papers, samples, models or data material held in electronic form.

The RTI Act 2005 empowers citizens to physically inspect the records that have been duly maintained by the government and its administrative bodies.

Fees to file RTI applications

Applicants will incur fees and costs that include, but may not be limited to the following.

Fee on an initial application

Demand draft, banker’s cheque or cash with subsequent receipt of Rs.10

Fees for information sought

  • Rs.2 per page that is either printed, copied or created in A4 or A3 size
  • Cost of the page or paper
  • Rs.50 per disc if information is given in a disc
  • Actual price of sample or models requested under the RTI Act

Fees for physical inspection of records

First hour is free after which there is a fee of Rs. 5 per hour

Procedure for Appeal

Procedure for first as well as second appeal in case the applicant fails to receive RTI information within the scheduled period. This also applies to those cases where satisfactory information is not provided. Here is an overview of the appeals procedure:

  • As an applicant, an appeal has to be filed with the relevant first appellate authority within 30 days of the date that was the last day of the expiry of the 30 day time period. The appeal is to seek information.
  • Your appeal will be reviewed and disposed within 30 days of receipt or 45 days in ‘exceptional cases’.
  • As an applicant, if your appeal is not disposed or you are still left unsatisfied, you can file a second appeal to the Central Information Commission. This appeal must be within 90 days from the date that was the last day of the 30 or 45 day time period of the first appeal.
For PIO to reply to an application30 days from date of receipt of application 
For PIO to transfer to another PA under Sec 6(3)5 days from date of receipt of application 
For PIO to issue notice to 3rd Party5 days from date of receipt of application 
For 3rd Party to make a representation to PIO10 days from receipt of notice from PIO 
For PIO to reply to an application if a 3rdParty involved 40 days from date of receipt of application 
For applicant to make First Appeal30 days from date of receipt of PIO’s reply or from date when reply was to be received 
For First Appellate Authority to pass an order30 days from receipt of First Appeal OR 
Maximum 45 days, if reasons for delay are given in writing 
For applicant to make Second Appeal before CIC/SIC90 days from receipt of First Appeal orders or from the date when orders were to be received 
For CIC/SIC to decide Second AppealNo time limit specified 

Authorities exempt from the RTI

The Second Schedule of the RTI Act exempts certain Public Authorities under the Central Government from disclosure of information.

1. Intelligence Bureau

2. Research and Analysis Wing of the Cabinet Secretariat

3. Directorate of Revenue Intelligence
4. Central Economic Intelligence Bureau
5. Directorate of Enforcement
6. Narcotics Control Bureau
7. Aviation Research Centre
8. Special Frontier Force
9. Border Security Force
10. Central Reserve Police Force
11. Indo-Tibetan Border Police
12. Central Industrial Security Force
13. National Security Guards
14. Assam Rifles
15. Sashastra Seema Bal
16. Directorate General of Income-tax (Investigation)
17. National Technical Research Organisation
18. Financial Intelligence Unit, India
19. Special Protection Group
20. Defence Research and Development Organization
21. Border Road Development Board
22. National Security Council Secretariat
23. Central Bureau of Investigation (CBI)
24. National investigation Agency (NIA)
25. National Intelligence Grid (NATGRID)

Penalty Provisions

The CIC or the SIC can impose a penalty on the PIO, while deciding on a complaint or a second appeal. Penalty can be imposed if the PIO has:

1. Refused to receive an application

2. Not furnished the requested information within 30 days of receiving the application

3. Denied the request for information

4. Knowingly given incorrect, incomplete or misleading information

5. Destroyed information, which was the subject of the request

6. Obstructed in any manner, in furnishing the information

The amount of penalty shall be Rs.250 per day till the information is furnished or the application is received, subject to a maximum of Rs.25,000. The penalty has to be paid by the PIO from his salary and not by the Public Authority. The CIC or the SIC will give the PIO a reasonable opportunity to be heard before the penalty is imposed. However the burden of proving that he acted reasonably shall be on the PIO.

Under Section 20(2) of the RTI Act, the CIC or the SIC can also recommend disciplinary action as per the service rules applicable to the PIO.

The First Appellate Authority (FAA) or the Public Authority (PA) are not subjected to any penalty clause under the RTI Act.

How to make RTI application effective?

Use proper format if prescribed by state govt under its RTI rules, otherwise use format at…rti-rules.html on this site.

State wise details are available on For central govt information please use format at…govt-info.html

Pay correct amount of fee by proper mode of payment as prescribed in state RTI rules. For central govt pay by postal order of Rs.10/- in favor of “Accounts officer ___________[mention name of organization to which you are addressing application].

Send application with fee by reg or speed AD post. Avoid submitting in person. Avoid courier also. Do not address in personal name of Public Information Officer. Use official designation as Public Information Officer.

Framing query is very important part of application. Do not ask questions as to why, when, who, whose, how etc. Instead ask for certified photocopies of records which contain the information required by you.

For example do not ask “why my application is not attended so far?” Instead ask “Please provide me reasons on record and certified copy of records containing reasons for delay in attending my said application” Please also refer…formation.html

Even if you do not desire to carry out actual inspection of records of govt office, make a request as under in the application: “On receipt of information under this application, I intend to carry out actual inspection of records at your office. I may be permitted such inspection.”

If you are not very conversant with language of record, please add following sentence to the para at 5 above: I may also be permitted to seek assistance of my relative/friend during inspection, as I am not fully conversant with the language in which your records are maintained.

Visit if available, website of the govt office, whose information is required and study RTI icon.

Do not waste too much time and energy in deciding which information can be asked and which cannot be. Just ask what ever you want. If you ask you may get, if you do not ask, you may not get. At the most Public Information Officer will say NO to your query.

Confine to one subject per application.

If you want large information, please submit application for few of them and once you get it, shoot another and then third application. This is costly and time consuming, but effective method.

Invariably seek names, designations and details of action taken by dept against employees/officers of the govt office who failed to process your pending request as per rule.

Ask for free copy of citizen charter of govt. office to be supplied with reply. You can know many things about that office.

Do not mention your phone/mobile numbers in the application, so that all communications are in writing. This helps in further appeals.

Be crystal clear, firm and to the point but at the same time be courteous. Give serial number to query and avoid essay type application.

Do ask for photocopy of file noting pertaining to your matter or application, even if you do not require.

If you know section of RTI act or decisions of CIC/State Information Commission, which are in favor of your query mention the same at the end of the respective query as [refer CIC decision No.____________dtd.______or refer section _______of RTI Act. etc]

If you apprehend problem for you for asking information of sensitive nature which may harm powerful vested interest, please ask your relative or friend living in other state to file the application for the same information.

Provide all relevant information already available with you on the subject to Public Information Officer to facilitate early locating of records at his end.

If you do not know exact details of Public Information Officer, visit Information Officer-under-rti-act-2005-27/

It is advisable to give back ground of seeking the information, though not required by the act.

Please add following para as a note in RTI application:

        For your kind information, I add that in addition to RTI Act 2005, I can proceed against public authority and its officers under The Consumer Protection Act 1986 as decided by National Consumer Disputes Redressal Commission, New Delhi on 28-05-2009, in REVISION PETITION NO. 1975 OF 2005 in complaint filed by Dr. S. P. Thirumala Rao against Municipal Commissioner, Mysore City Municipal Corporation, Mysore.

Even at the end of non-RTI applications made to govt depts., mention as under, giving indication that you know RTI and if this application is not properly attended to RTI application may follow.

    “CITIZEN IS OWNER OF GOVT INFO, OFFICER IS CUSTODIAN or such other catchy slogan, you may think of !!!!

How to submit a RTI Application

You will need a proof, that your RTI application has been received by the PIO. The tested methods to submit a RTI application are:

    Personally, by hand: Please ensure that you get your copy of the application and proof of payment duly stamped, signed and dated, either by the PIO or by the inward department
    Registered Post AD: The AD card will act as proof of submission, after it is returned to you by the postal department. In case the AD card does not come back with a proper stamp, signature and date of receipt, follow up with the dispatching post office to get the AD card completed. You can track Registered Post articles here: and keep a print out of the final delivery status with you.
    Speed Post (A postal department service): Once the application is sent by Speed Post, track it on and keep a print out of the delivery status carefully with you

Do not use ordinary post, private courier companies, etc. since these will not provide you with a confirmed proof of delivery.

Designated Post Offices:

In order to facilitate citizens in filing RTI applications, the government has designated certain Post Offices for accepting RTI applications addressed to Public Authorities (PA’s) under Central Government. These cannot be used for submitting RTI Applications addressed to State PA’s, Legislatures, Courts, etc.

A list of designated Post Offices is available here:

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