bobd22

That's true but under Brown at a slower time frame. Cameron's coalition speed it up making it very difficult for woman already in their 50s to compensate for a fairly quick change.

lurchio

And I certainly do not blame you to be honest. Don't give up, remember people from outside Spain were living here FAR before the EU got involved, people also live here from totally OUTSIDE the EU today. At least get your ducks all lined up, its not over until it is ratified in Regulation, etc. There are so many 'unknowns' at the moment, and its early days really. I understand its really confusing / unsettling though!


CERTAIN parts of Andalucía fit your bill I can truly say that, as I live in such an area and will never leave. Best advice, collate all the info (factual info, of course) get those ducks lined up for what YOU want. Time will tell, and good luck to you and your family.

rspltd

But I thought from 2020, both men and women’s state pension age will be 66, increasing to 67 between 2026 and 2028, and then linked to life expectancy after that. If you take away the EU influence that is only a years' increase from 2020 - which is happening to men too.

bobd22

Yes correct but when the change was first announced by the labour government under Brown it was a much less steep rise and didn't affect women in 50 as deemed to near their planned retirement.The Tory lib dem coalition rapidly speeded it up.Hence the backlash to it and campaign against it. Anyway we are where we are I mentioned it because in our planning 2007/08 my wife was online for pension+ S1 for us both at age 60 followed by my own entitlement in my own right 10 months later. Alas things changed a bit too rapidly compounded by last June's vote se la vie.

ZanBee

Thank you for your support. I'm tempted to just make the move and see what transpires. The husband is a tad more hesitant as we will both be leaving good jobs in the UK to a place where employment in limited and not as well paid.

Think it may be best to do a trial to see how we settle. Do you know of any reliable sources where we could find houses for rent in the Sierra Nevada regions? I've looked at some long term holiday let's and they are extortionate!

Thanks for your help once again.

lurchio

Kyero.com would be a good start to get an idea and go from there. Rent first IS the best option. Can you keep your UK home as well, even if its rented out?Thought of a career break in the UK? All options to consider.

ZanBee

Thank you Lurchio. Yes we aren't planning on selling up in the UK until we know that we can settle. Let me have a browse at the website you have recommended. Thanks for your help once again.

tuhler

The document released by uk gov is simply a opening statement as a means of starting negotiations...nothing in the 15 pages is fact..simple to start negs....it is likely to be nov or jan18 before any published agreement can be relied on...nothing before are just positioning statements

bobd22

Yes I am aware that this is an opening position. It is however exactly how I predicted the matter would be dealt with. It strikes me though as very unfair to allow some to have free medical care at state pension age but not others. My guess is should this aspect of the proposal remain the same many people including many close to state retirement age will have to accept that the home they hoped to retire to will have to remain a holiday home or try and sell, cost of healthcare will simply be prohibitive for many but of course not all.

Assanah

As if we have time for opening statements. In my view this should be an easy topic for negotiation. Everyone living now in a different country should keep their rights, everyone wanting to move after 2019 needs to apply for visas that is having a job or a lot of money. Everyone who has no job or a lot of money needs to stay home. That is the end of free movement which as always will hit the ones with not enough money the worst.

bobd22

Sorry just come across your reply. Sorry I don't see where Florida comes into this? If you buy a property in Florida you know you will pay for health care it has never been any different. People will have bought in Spain initially as holiday home but with an intention at some point of retiring full time there and at state pension age being entitled as UK state pensioner to free public health care, that is free to them by virtue of being a UK state pensioner. That appears to be no longer going to be the case for those not resident and at retirement age.The point of 3 months here 3 months there is an option yes if one has retained UK property ? I have. But is also for a pensioner dependant on income not the most cost effective or actually what one planned for in many cases. I did say we are where we are but to say someone is running away if this mess changes their plans due to the initation of last year's vote I find a strange comment. It all actually comes down to finding the best route in this mess some now find ourselves in and pension income peace of mind all play a big part in that. Many will be it appears totally unaffected in reality by the proposed changes,some will have to try and re assess their future plans. Horses for courses as they say but one can only be as flexible as their finances allow.

lee1lpool

It's a waiting game for all of us. I bought a property in 2014 cheap and need of renovation. I've been paying all my domestic and other bills for 3 years,and for the last few months I've been putting €1000 in my Sabadell account to support my residency application. My property is almost complete,and over the next few months I'm applying for residency. I try to be realistic of what could happen with this brexit, but don't live in fear. Why stop my plans because of changes(if any) that are not even here yet? I'm going to try be positive,have bit of faith and if any changes arise I'll deal with that as and when and adapt. If I lose out,worst case scenario I will not be permanently living in Spain.

iano

Don't understand that comment, would you mind expanding on it, lurchio ?

bobd22

I know what he is talking a out as I have government pensions. The new single tier pension _155 per week, we on government pension or any other that is contracted out will not get that. Reason is being opted out meant we paid 1.5% less NI often unknowingly?. That means in my case as nearly whole working life government service they reduce my state pension by £35 per week. Basically back to what state pension was pre this much touted pension rise. As Lurchio said something else we must suck up.

iano

Thanks, Bob. As you've probably gathered, this also affects me.

Always understood govt employees automatically contracted out of SERPS (as was) as the additional NI contribs went towards their govt pension pot instead. There was never an entitlement to the 'top-up' element of the state pension, so nothing has really changed in that respect. Hardly a 'fiddle'.

Unless I'm missing something.