Health Insurance to cover plus 3 -6 months rental. - Page 2

Lesley DN wrote on Sun Jun 28, 2020 6:46pm:

I have spent so much time looking at Gov.uk website  & many others trying to fully understand healthcare post Brexit issues   ( & unless I’m being thick - which is entirely possible!) I cannot find  I simply cannot understand how this will apply to people like myself -...

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...  I will be  63 in Nov 2020 & intended  to move to Spain this autumn ( Murcia appeals) & claim residency before Jan 2021. I am hoping to find PT work as a TEFL teacher which would entitle  me to healthcare but understand I will need private healthcare if I can’t get work & cannot apply to join the national scheme until I have 12 months residency .

The Gov U.K. website states “ If you’re living in Spain before the end of 2020, your rights to access healthcare in Spain will stay the same for as long as you remain legally resident. This means you’ll continue to get state healthcare in Spain from 1 January 2021 on the same basis as a Spanish resident. You’ll also have the right to apply for a UK S1 if you start drawing a UK State Pension“ . I understood this to mean that so long as was able to satisfy the residency criteria before the cut off date in the event I was unsuccessful in finding work I would still be able to join the national scheme after 12 months AND when I hit state pension age in 3 years time I could then apply for U.K. S1.   

The above posts by Zacdog & Frequent Flyer indicate I’ve completely misunderstood this situation & will never be eligible to access the Spanish Healthcare system ( unless through work etc. But this certainly isn’t clear ( at least to me!) on the U.K. gov website so any advice much appreciated. 

oink wrote on Mon Jun 29, 2020 5:46am:

they have agreed, its in the withdrawal agreement,dont know where your getting 2k month from, thats 24k a year ,lol

some brits dont earn that never mind the spanish, and pensioners earn 8k , 

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it becomes 24k in bank after dec 2020, plus 8k if a cple, every year,for 5yr, 

lesely dn, you may get by on 1200 mnth ,, therefore you really need to get over in nov  say, apply for residencia, pay 1yr private health upfront, get  spanish bank nie,padron, change drive license , rent for those months, once you  have your ticket, fly back ,sell home if not sold by then, but be wary capital gains, if you invest your gain part of sale in spanish property, then no tax to pay. if you sell 2020 , then doesnt effect you. 

if you reside in 2021 im sure the spanish will negotiate a deal on health, as this will effect sales, no brit will pay for health for rest of days , the spanish will want us to keep buying, but your taking a risk, it will be harder to get a work visa, 

only non eu non work long stay  visa for 1yr 2yrs 2yrs then resident. paying private health 

oink wrote on Mon Jun 29, 2020 5:46am:

they have agreed, its in the withdrawal agreement,dont know where your getting 2k month from, thats 24k a year ,lol

some brits dont earn that never mind the spanish, and pensioners earn 8k , 

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it becomes 24k in bank after dec 2020, plus 8k if a cple, every year,for 5yr, 

lesely dn, you may get by on 1200 mnth ,, therefore you really need to get over in nov  say, apply for residencia, pay 1yr private health upfront, get  spanish bank nie,padron, change drive license , rent for those months, once you  have your ticket, fly back ,sell home if not sold by then, but be wary capital gains, if you invest your gain part of sale in spanish property, then no tax to pay. if you sell 2020 , then doesnt effect you. 

if you reside in 2021 im sure the spanish will negotiate a deal on health, as this will effect sales, no brit will pay for health for rest of days , the spanish will want us to keep buying, but your taking a risk, it will be harder to get a work visa, 

only non eu non work long stay  visa for 1yr 2yrs 2yrs then resident. paying private health 

Lesley DN wrote on Mon Jun 29, 2020 8:10am:

Thanks that’s helpful . I was intending to come over in September/ October & the only thing that’s delaying me is trying to get my house in ship-shape order before putting it on the market. As said I do have money set aside to supplement my monthly income which is in excess of £8k requir...

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...ed in bank , but have to be mindful that it needs to keep me going until sale of house or I’m able to access my OAP pension. 

It would be absolutely ideal if I could manage to find a part time position ( I’m of an age where I no longer want to work long hours in a stressful job) Teaching English as a Foreign Language  as whilst its not very well paid its sufficient  to supplement my income & give access to Spanish Healthcare . A further benefit is a work visa comes with these roles as being a ‘native English speaker’ is an essential criteria. 

I looked up Spanish legislation on age discrimination & its the same as in U.K. ie it’s illegal to stimulate 60 as an upper age limit unless there are solid reasons for this - which cannot be said to apply to teaching. So it appears that the Spanish Ministry of Education are contravening Spanish employment law although I can’t see that pointing this out to them would help to get me the job! 

Ali52 wrote on Mon Jun 29, 2020 9:15am:

We have not got a withdrawal agreement. That is the trouble. We do not know what it entails. The amount I quoted, was what I was asked to prove when I went for my residencia. I said others quoted less. That amount was based on the Spanish rates which are very generous. € 2,600 per month for a f...

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...ull pension.  You would need to have worked for your 36 years, paying in for that though.  €650 if only worked part time or 15 years. Very unlike the British.  In  2016 , they introduced pension reform to encourage private pensions. But it will take a while to trickle through the system. As before, the best thing to do would be ask at the Spanish embassy. Then you will have correct and up to date information. 

oink wrote on Mon Jun 29, 2020 11:11am:

i dont know what the hell your on about,your all over the place,pensions ,residency ,the uk/eu agreed the uk to leave with agreement,now its either leaving with a deal or not for trade, etc. 

you need 5500 in bank for residencia this varies but not 2600 that equates to 30k 

zacdog wrote on Mon Jun 29, 2020 11:22am:

Which is why I'm outa this thread, originally a simple question on med insurance. Now turned into a confused lefty rant !! 

Ali52 wrote on Mon Jun 29, 2020 12:29pm:

 The withdrawal agreement has not been ratified or signed. I wish it had been. Which is why I suggest that Lesley contacts the Spanish embassy. Who will give her correct and up to date information. Not a lefty rant at all. Although I regret Brexit.