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

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


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Old 22nd October 2019, 08:01 AM
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Default Strategies for spending over 90/180 days + access to healthcare in post Brexit Spain

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.

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Old 22nd October 2019, 08:34 AM
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Originally Posted by Rheumatoid View Post
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 an EU citizen, you will need to register as a resident in Spain if you wish to be here more than 90 days continuously. More than 182 days in a year and you become a tax resident automatically and Spain taxes you on your worldwide income. Presumably you will not qualify for a S1 so you will need to have private medical insurance with no co-pay and the cost of this may depend on pre-existing conditions.
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Last edited by baldilocks; 22nd October 2019 at 08:41 AM.
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Old 22nd October 2019, 08:37 AM
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Originally Posted by Rheumatoid View Post
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.
The only way to spend more than 90/180 days here in those circumstances (as a non-EU citizen) would be to secure a residency visa.
If you can move here before Brexit, do it now while you're still EU citizens.

The process for non-EU citizens is more complicated & the financial requirements MUCH higher.
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Old 22nd October 2019, 08:50 AM
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As an EU citizen, you will need to register as a resident in Spain if you wish to be here more than 90 days continuously. More than 182 days in a year and you become a tax resident automatically and Spain taxes you on your worldwide income.
thanks

Would this mean I am taxed on my pension and investment income in the UK and again in Spain?

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Old 22nd October 2019, 08:52 AM
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If you can move here before Brexit, do it now while you're still EU citizens.
I assume further detail on this is required and whether it can be done during the transition period or would need to be done prior to 31/10 or whatever the leave date ends up being?

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Old 22nd October 2019, 08:54 AM
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I assume further detail on this is required and whether it can be done during the transition period or would need to be done prior to 31/10 or whatever the leave date ends up being?
No-one knows for sure.

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Old 22nd October 2019, 08:56 AM
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thanks

Would this mean I am taxed on my pension and investment income in the UK and again in Spain?
As I understand it, if you are tax resident in Spain, then Spain will offset what you pay in UK against what is due in Spain, however, there is special treatment of government pensions, I'm not sure how that works but no doubt somebody else will be along to advise.
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Old 22nd October 2019, 08:58 AM
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As I understand it, if you are tax resident in Spain, then Spain will offset what you pay in UK against what is due in Spain, however, there is special treatment of government pensions, I'm not sure how that works but no doubt somebody else will be along to advise.
Thanks and I assume any reciprocal tax arrangement may go in the bin with many other things post brexit
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Old 22nd October 2019, 09:05 AM
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thanks

Would this mean I am taxed on my pension and investment income in the UK and again in Spain?
Until you have made your first annual tax return in Spain (here the tax year runs from 1 January to 31 December and tax is paid by the end of June in the following year) then yes, effectively. Once you have made your first tax return you download the Spain (Individual) Double Taxation form from the HMRC website. It has two versions, one in English and one in Spanish. You complete both, then submit the Spanish one to the Agencia Tributaria in Spain to request a Certificado de Residencia Fiscal (Convenio). When that it received, you submit it to HMRC in the UK along with the completed English version of that form. They subsequently refund the tax you have paid in the UK since the time you became resident in Spain, and allocate you an NT (no tax) UK tax code to be used on your UK income.

The only exception to this is Crown pensions, which are only taxable in the UK (although they do have to be declared on your Spanish tax return as exempt income, and can affect the rate you are taxed at if you have other income eg state pensions, as well). You remain entitled to a UK personal tax allowance against your Crown pension. NHS pensions are a bit complicated because they are only included in the list of official Crown pensions if they are paid by a local authority. I'll try to find the list of approved Crown pensions and post it.
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Old 22nd October 2019, 09:07 AM
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Reciprocal tax treaty is concluded with each country separately so has nothing to do with EU membership. So UK/Spain tax treaty should continue to operate post-Brexit. If you become tax resident in Spain and non-resident in UK, you just pay the Spanish income tax. If you are liable to tax in both countries, you effectively pay the higher of the two tax liabilities. Foreign tax liability can be complicated and you should take professional advice first.
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