Will do my best growstuff! Anyone working / running a small business in France should already be in the relevant "caisse" for paying contributions for health / pensions / unemployment. There are different "caisses" for different professions. It is a complex system and contributions are high, but the health service is very good.
In terms of residence, we have been encouraged to get a "titre de séjour" which is similar to permanent residence. This is a lengthy, bureaucratic process and varies from region to region. France loves paperwork and nothing is ever simple! We had to prove payment of taxes, health cover and sufficient revenue to live. Our cards are currently for EU citizens but will be swapped for Third Country Nationals when necessary.
I think the minimum levels of income may prove a problem for some people.
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Where will they all go and live ???
(183 Posts)So, it has been made clear now, that health provisions for the 100s of 1000s of UK citizens, mainly retirees, in the EU- will be covered for 6 months only. Then stop - in case of No Deal.
So many, and that means 1000s - will have no choice but to come back, without being able to sell their home abroad, having spent all their savings on the project. Where will they be housed- which GP practices will be able to absorb them back - how will they be funded?
Just waiting for someone to say it is NOT Brexit related ...
Addition to previous post - these are the current figures while we are still in the EU. I don't have the ones for TCN.
The guideline figures (applicable from 1 April 2019)
Under 65/live alone: 559,74€ per month;
Under 65/couple: 839,62€ per month;
65 or older/live alone: 868,20€ per month;
65 or older/couple: 1347,88€ per month.
Mamie 'As you must know, we ex Government employees (teachers, Local Government, Civil Servants, military, police etc) pay UK tax at source on our occupational pensions '
of course, I understand this- and as part of EU agreements. However, if and when the UK leaves without a Deal, it would mean that the French system will subsidise Brits in France, without getting taxes in return- so I'd say, generous indeed.
Eva2 'What's wrong with buying a private health insurance. The rest of the world does.'
except that in many countries, large numbers cannot afford to, and are just not covered.
And when you move to a country where this is NOT the case, and you are older, have pre-exisiting conditions or any kind of long term illness or disability - private insurance will just not be available or be prohibitively expensive, and often will not cover the above.
In Switzerland, it is compulsory, by Law and checked, to have both sickness and accident insurance. When you go to a doctor the first time, a chemist, or a hospital - a clerk witll see you first, and request to see the evidence of your insurance and register it all officially- before any treatment is given. Basic inurance, as said about £450/500 per person per month, cannot refuse any pre-exisiting conditions- you can then take extra insurance on top for private care, etc- these will be hugely expensive and pre-exisiting conditions normally not accepted. . Those on Social Benefits or low wages, get a subsidy or it is paid for them.
But those who made careful research before moving to EU countries to retire - would find themselves now having to spend large sums of money for health insurance they had not planned for, at the very time when the pension is being greatla devalued by poor exchange rate, and probably at a time when older age mean developing health issues.
Hi jura the friend I mentioned who has costed his diabetic meds in Spain in case he needs to fund them himself?
Just to clarify, he retired out there 23y ago, lock stock & barrel with his wife. They took up residency there and pay their taxes to Spain, of course.
He is upset about Brexit and any ramifications for his healthcare provision.
Posted to soon!
As he had lived outside the EU for more than 15y he wasn’t entitled to a vote in the referendum. He would have voted Remain (understandably!)
Deleted due to the poster's request
Thank you for taking the time and trouble research Mamie. Very interesting.
I'm Type 2 diabetic. The medication is the least of the expense. I buy my own testing equipment because it's not funded by the NHS, but I do have have regular feet and eye checks and blood tests, paid for by the NHS. I also have to take medication for diabetic neuropathy in my legs and feet and I have diabetic retinopathy, which will only get worse, and the beginnings of kidney disease. The worst case scenario is that I could end up blind and with foot amputations and serious kidney problems. Not a happy prospect, but at least I know that I won't have to pay for surgery. I also have regular blood tests to check for Vitamin B12 and Vitamin D deficiency and calcium levels. I've had a heart attack and have a stent, so I also take medicines to keep my blood pressure and cholestorol on track. The NHS fitted the stent within an hour of having the heart attack, so I was very lucky - at least I didn't have any delays while I signed a form to promise to pay for the emergency ambulance and op.
If I were to think of moving abroad, I doubt whether I could afford to pay for health insurance and I certainly couldn't fund myself.
PS. I actually have very good glucose control, am not overweight, don't smoke or drink alcohol and exercise regularly, so it's just Sod's Law :-(
How often does it have to be sadi we dont give ILLEGAL immigrants anything ...What the British government in all its wisdom ok thats poetic license ..is doing is forcing EU migrants out who DO work ,pay taxes and contribute to the economy .What they'll get back is more than a million old folk with depleted funds and health problems ....what a great swap!!
How many illegal immigrants do you think there are pinkquartz? As they're illegal, they won't be able to access services.
Jura the French government do get our taxes. I don't know how it works in Switzerland but here we are taxed as a household, so the tax is cumulative for two state pensions and two occupational pensions and then there is a rebate for my LGPS pension.
Apart from that I don't see how the French government could discriminate against the small number of UK migrants who have government pensions. Why would they break their own laws to do that?
Thanks growstuff.
In summary, I think the bottom line here is that after Brexit (faster after a no-deal Brexit) we become Third Country Nationals subject to the laws of our host country. They may chose to help smooth the transition, but basically we lose freedom of movement and are treated in exactly the same way and within the same legal framework as Americans, Australians etc. We get health cover and rights to residence on that basis.
It is worrying for us all, but I think the important thing is to understand the facts and the legal framework of our host country.
.
Sorry Mamie- I am not arguing with you about this, I am trying to get my head around this. Why should permanent residents in FRance, pay tax in the UK rather than in France? And if they do - then the UK should agree to continue to pay for health care via form S1- as they get most of the tax money. ???
We only pay tax in Switzerland currently, apart from tax on our holiday apartment in the UK.
LondonGranny
Quote re Leavers.
To be or not to be. 
Ah ok Jura probably a different system in Switzerland then. In France (and other EU countries afaik) people who worked for government, local government, teaching, military etc are obliged to pay tax on occupational pensions at source in the UK. I think the idea is that if the UK state is paying your pension then they want to keep some. Any other pension provider, plus the state OAP is taxable in your country of residence. So we fill out a tax form listing all our pensions and in a separate section we list my gross and net local government pension. The whole lot is added together and there is a rebate against the tax I have already paid in the UK. We still pay quite a hefty sum in France!
I think this would be the same for French pensioners in the UK.
Hope that is clearer. ?
Yes, thanks. My point is that it seems wrong that the UK gets most of the tax, and not the country of permanent residence. And therefore generous to agree to allow inclusion in health care system.
To an extent yes jura, but if the British retirees in France are spending all their disposable income in the host country ... fuel, alcohol, food, services etc etc .... then they are actually contributing to the French economy and paying VAT to the country of residence.
U.K. residents living in Europe were not allowed to vote in the 2016 referendum, very wrong in my opinion. Private health insurance is the only way to go for these people if we leave without a deal, but as Jura said, you try getting health insurance if you are over 60 and have health issues. I discovered this when trying to get travel insurance for my husband when travelling to Greece for a holiday. A well known company who trades on insuring older people with health issues wouldn’t insure him for any health issues as he was awaiting a minor operation. However, as we had an EU health card, I didn’t worry too much. Brexit will put pay to this safety net for all of us travelling to Europe in the future, if we leave without a deal.
jura I don't think generosity comes into it. The countries concerned are party to the double taxation treaty and France gets the tax paid by French retirees in the UK. If that is the way they want to do it then they take the consequences. You also have to bear in mind that health cover in France is paid for by the cotisations from the equivalent of National Insurance not general taxation.
U.K. residents living in Europe were not allowed to vote in the 2016 referendum
Totally off topic, but how can someone be a UK resident, if they reside in another country?
Not off topic, Summerlove, but I accept the correction, I should have said U.K. citizens living in Europe.
Actually we did have a vote if we had been away from the UK less than 15 years. The UK is unusual in this. Mose countries allow their nationals overseas a vote for life.
Just wondering though, isn't the double taxation treaty linked to EU - and will it still be valid if and when we crash out with No Deal?
USA expats do have to pay double taxation, which is why so many give up their USA citizenship as soon as poss.
Deleted due to the poster's request
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