Hi All
I am new to this forum...but I am having some challenges getting some questions answered....I have placed this on another forum but blanked out....
I am 42 (I work) ...my wife 40 (Housewife - works harder) and we have three kids...(3,8 and 12) we live in Ireland...having been here for 9 years. Previously from the UK. I have been told today by the Irish authorities that an E106 is only issued if you are actually going to work in spain...or you cannot afford health care (ie you already have a health card in Ireland) . I can get an E104 from Ireland and UK to transfer all my contributions to Spain. I would say that 60% of the population in Ireland have private health care from VHI (Private provider). I don't intend to work for a few years and will be living in the Prov of Alicante. I intend to be as legal as I can, get an NIE, register on padron etc...
So what have I found...LISTED AS BELOW...
In the valencia com...can someone advise on
1. Can I get an SIP card without an E106
2. If I get an SIP card what does this cover and for how long
3. Does each person in my family have to have their own SIP cards?
4. If the SIP expires what are my options then?
5. Will children regardless of my wife and I status be able to avail of free health care, and Dental work?
6. If I need to then I will pay into the system...as youc an in Ireland and UK. In Spain it appears you have to register some kind of activity to register as self employed (autonomo)...do the authorities ever check ....do you have submit returns..what happens if you have an income of €100 only at the end of the year?
7. As I calculate things I am 21 years to retirement, so if I paid SS in Spain I would also be entitled to a pension...(Maybe small but..) this would cost at todays rates €3,000 if I took out private health insurance with Sanitas its €4,000...I know we are not talking about apples to apples...but any views or experience from anyone?
8. If I transfer all rights to Spain...(23 years worth) does this count towards my state pension in Spain (ie 15 years)...is it any benefit to me at all doing this?
9. In Ireland I can come back for 3 years for elective treatments....does this effect my rights in spain?
http://www.elcapso.com/Healthcare%20in%20Valencia%20Region.htm
"Not working under state retirement age 2: Contact the Department of Work and Pensions in Newcastle and obtain letter saying that you are no longer entitled to medical treatment in the UK for each of you (they have a standard letter saying this). Take the letter with your Residencia/passport and Padrón certificate to the nearest Social Security Office (INSS) and register. You will be issued with a plastic SIP card and, if you request it, an EHIC (old E111) to use for medical treatment in other countries of the EU. Some local medical centres will also do the registration for you and the SIP card will be posted to you. The disadvantage with this way of obtaining cover is that the Valencia Health Service gets no money from the UK to cover your treatment so all costs have to be met from local taxes. You may also find some health centres are unaware of the relevant regional legislation allowing you to sign on in this way and you might need to arrange for them to phone Alicante to confirm that it is possible.
http://www.c-euro.org/index.php?option=com_content&task=view&id=30&Itemid=37
There are some examples of early retired who have been registered and got a SIP card, but this may due to largess from the Spanish side, not because they had a legal right. Any early retired who wants to stay in Spain for prolonged periods should inform themselves carefully in their National Health Office before leaving. Probably the only solution offered is a private health insurance up to the legal retirement age of your country. Then an E121 will be issued.
http://www.spainexpat.com/spain/information/healthcare_and_insurance_in_spain/
In the valencia and Alicante area you can obtain your SIP card by requesting the letter from Newcastle which states that you are no longer entitled to UK healthcare. This you present along with an application for SIP card (which is obtained from the doctors) to the doctors and your SIP card arrives in about two weeks so there is no need for private medical insurance
http://www.ukgovabusesexpats.co.uk/Articles/health-care-applications-04-07.htm
The current suggested Procedure: -
All that should be necessary is (a) the production of ones passport. (b) A most recent extract from the 'Padron', since they only have a validity now of 3 months from date of issue and 1 month in respect of unemployment benefit claims. (c) A current copy from Newcastle of the 'legislative letter' in Spanish, declaring that the applicant has no entitlement to receive any health care in the U.K. and is not entitled to the issue of E. forms 106 or 121.
Aplogies for the size of this posting....hopefully it will help others to understand fully as well