Strategies for spending over 90/180 days + access to healthcare in post Brexit Spain - Page 2

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Strategies for spending over 90/180 days + access to healthcare in post Brexit Spain - Page 2


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  #11 (permalink)  
Old 22nd October 2019, 10:08 AM
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Thanks and I assume any reciprocal tax arrangement may go in the bin with many other things post brexit
That won't happen, as too many wealthy people (Bojo's mates) would be affected ... These arrangements aren't linked to EU membership anyway. UK has them with lots of non EU countries.
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Old 22nd October 2019, 10:14 AM
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I retire next week aged 58 and my plans to buy a place and spend 8-9 months a year there are currently on hold until we get some clarity over whether Brexit will actually happen and the form it will take.

However, assuming the worst and it does happen, are there any strategies you can suggest that would allow spending more than 90/180 days and provide access to reasonably priced healthcare. Is there anything I can be doing now to help try and secure these things?

I could probably afford private healthcare but it would probably be expensive due to a pre-existing condition (controlled hypertension).

I would like to spend 3-4 months a year in the UK and would obviously require health cover whilst here. I will keep our house in the UK - would have to as can't get rid of the kids

Myself and my wife have good NHS / Teachers pensions and quite a lot of savings / investments.

Thanks for any tips / advice.

R.
As you say your retiring next week ( week beginning Monday 28th October to 3rd November ) then you
could hope the British Government leaves the EU with a deal, in which case the Transition period
kicks in where you can still move to Spain and go through getting residence ( as an EU citizen, etc rather than 3rd country citizen ) as your rights would remain unchanged during the Transition period upto 31st December 2020.

All this in order to secure Spanish residency where you can forget the 90/180 days limitations and of course
you can still spend 3-4 months a year in the UK, as the British Expats who follow a Swallow lifestyle
( time in UK and time in Spain ) enjoy already although you would still be dependent on the S1 regime
as regards reciprocal healthcare arrangements between the UK and Spain and must remain a resident
in Spain after transition.

There's no getting around or away from the cost of healthcare insurance and how much you pay
will be determined on what impact your pre-existing conditions come to.
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Old 22nd October 2019, 10:16 AM
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What can affect is uprating of UK state pension for Spanish residents. Currently EU regulations stipulate your pension should be uprated in line with UK law. Post-Brexit (post-Implementation period to be precise), unless it's in the withdrawal agreement or a special arrangement is made with Spain (Spain is keen but UK less so as things stand), you may not get the annual increase UK-based pensioners get (3.9% from April 2020).

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Old 22nd October 2019, 10:21 AM
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What can affect is uprating of UK state pension for Spanish residents. Currently EU regulations stipulate your pension should be uprated in line with UK law. Post-Brexit (post-Implementation period to be precise), unless it's in the withdrawal agreement or a special arrangement is made with Spain (Spain is keen but UK less so as things stand), you may not get the annual increase UK-based pensioners get (3.9% from April 2020).
Thanks. I am making provision to not include state pension and will see it as a bonus if I get anything. With 9 years until I am entitled who knows!

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Old 22nd October 2019, 10:43 AM
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Originally Posted by Williams2 View Post
you would still be dependent on the S1 regime
as regards reciprocal healthcare arrangements between the UK and Spain and must remain a resident
in Spain after transition.

There's no getting around or away from the cost of healthcare insurance and how much you pay
will be determined on what impact your pre-existing conditions come to.
As the OP is still some years away from UK state retirement age, he would not be entitled to an S1 form even if Brexit were not happening.

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Old 22nd October 2019, 11:01 AM
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Here is the list of Government/non Government pensions I referred to. It confirms what I said about an NHS pension not being classed as a Government pension unless it is paid by a local Authority.

https://www.gov.uk/hmrc-internal-man...ual/intm343040

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Old 22nd October 2019, 11:16 AM
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Here is the list of Government/non Government pensions I referred to. It confirms what I said about an NHS pension not being classed as a Government pension unless it is paid by a local Authority.

https://www.gov.uk/hmrc-internal-man...ual/intm343040
Thanks
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Old 22nd October 2019, 12:03 PM
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Quote:
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As the OP is still some years away from UK state retirement age, he would not be entitled to an S1 form even if Brexit were not happening.
Of course I was thinking ahead of when he reaches the age of 66 ( or whatever the new state retirement age will
be for his generation in 8 years time ) after moving to Spain.

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Last edited by Williams2; 22nd October 2019 at 12:07 PM.
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Old 22nd October 2019, 01:40 PM
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Of course I was thinking ahead of when he reaches the age of 66 ( or whatever the new state retirement age will
be for his generation in 8 years time ) after moving to Spain.
67 for me
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  #20 (permalink)  
Old 22nd October 2019, 02:34 PM
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67 for me
I know it keeps on going up.

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