Paying voluntarily into social security?

Post reply   Start new thread
:: New - Old :: Old - New

Pages: 1 |

Forum home :: Latest threads :: Search forums
The Comments
04 Jun 2013 10:48 by BB1977 Star rating in North Wales. 12 posts Send private message

We (myself, husband and 2 children) are hoping to move to Spain (Andalucia) in the near future.  Our only stumbing block is entitlement to Spanish State Healthcare. 

My husband and I are fortunate enough to not have to work (retiring in our 30's!!) and would like to pay voluntariliy into Spanish SS system to benefit from the healthcare system.  Is this possible?  I've trawled numerous websites, all giving conflicting information so quite unsure!!

Does anyone know if anyone does this or do this themselves?

If not what are our other options?

We obviously would consider private healthcare but does anyone know how much this price escalates as you get older?  What would we currently pay per year roughly (2 adults 2 kids, ages 7 and 2)

(I am aware of the E106 - but this only lasts 2 or 3 years - I need to consider the next 30!!)

Thanks,

Claire.





Like 0      
04 Jun 2013 11:42 by eos_ian Star rating in Valencia. 485 posts Send private message

eos_ian´s avatar

 Hi BB1977  lucky you, being able to retire so early. I envy you but wish you all the best :) I don't see why you can't pay into the system as an autonomo, I don't think you have an obligation to operate a business or declare transaction. You just declare every three months your ZERO VAT return and your anual income declaration and that is it. You can choose how much you wish to pay in. The minimum is 280 euros which will give you cover for all your family but you can boost this as it will also go towards your Spanish state pension plan. But that isn't worth increasing until you are 50 as it is only hte last 17 years now that count, if I am not mistaken..

Re private medicine  expect to budget around 45 euros per adult in their 30's and pretty much the same for children, maybe a little less. Women are slightly more expensive than men so all in all you would probably be paying around €160/month. There are many offers especially if you go with companies like Mapfre. From my experience Sanitas and Mapfre have worked very well. I paid €120 for three of us when I was with Sanitas : two adults and one child.

Hope this helps

 


_______________________

Ian :   EOS TEAM MEMBER 

www.eyeonspain.com/blogs/ianandspain.aspx




Like 0      
04 Jun 2013 14:12 by BB1977 Star rating in North Wales. 12 posts Send private message

Thanks Ian,  that's a great help!!

We wondered about the autonomo route - so it is OK to earn nothing but you can pay the Social Security contributions?

I was surprised the private medical insurance is as inexpensive as your examples.  Our worry is though that as we get older the cost of medical insurnace will drastically increase. 

Thanks again.

Claire.


 


This message was last edited by BB1977 on 04/06/2013.



Like 0      
04 Jun 2013 14:23 by camposol Star rating in Camposol. 1411 posts Send private message

I know its nosey, but did you win the lottery or something similar?It must be very rare to be able to retire in your thirties!





Like 0      
04 Jun 2013 14:34 by BB1977 Star rating in North Wales. 12 posts Send private message

Ha Ha being nosey is fine.  I am the nosiest person I know!!

Myself and my husband got married a couple of years ago and we had a house each when we met.  We're only just selling his house now so once that is gone that's a fair amount of money in the bank.  We also have a fair amount of savings.  Also. I'm getting made redundant at the end of August so that's more money again.

I'm making it sound like we're rolling in it but we're not honest!!  All the money we have will be sunk into property.  We'll be renting out my house here and my husband has a modest private pension we can live on.  So we'll be mortage free and have a steady income of money.  They'll be no frivolity where money is concerend anyway if and when we get to Spain!!

 

Claire.

 





Like 0      
04 Jun 2013 14:37 by camposol Star rating in Camposol. 1411 posts Send private message

The Spanish Taxman will be happy then!





Like 0      
04 Jun 2013 14:42 by BB1977 Star rating in North Wales. 12 posts Send private message

Well I've certainly never seen a sad taxman!  :-/





Like 0      
05 Jun 2013 09:54 by Roly2 Star rating in Almeria. 651 posts Send private message

 Hi - forgive me, I see you have asked for advice on a different thread and I don't know the answer, so I will pick this one up again.   You said that your only stumbling block was health care entitlement, but you say you have two children?    I would very gently suggest that the cost of education and the type of school they will attend should be - if not a stumbling block - a prime consideration?   I am a big fan of living in Spain so you are not going to get any negativity out of me, but I think moving with children still at school age is not as easy as moving without them.   Are they learning Spanish?    Or are you looking at private education, which is going to eat into your savings quite substantially?    

Good luck anyway - sometimes you just have to dive in - but that is more difficult with children.





Like 0      
05 Jun 2013 10:06 by BB1977 Star rating in North Wales. 12 posts Send private message

Like you say schooling for the children is a prime consideration not a stumbling block.  We are all currenly learning the spanish language as a family and the plan is that our children will be attending spanish state schools.

Moving to Spain is not something we are doing on a whim, and this is why we are making sure all angles are covered and all our uncertainties checked and clarified!

We don't want to make the move the Spain and find out we didn't know or weren't aware of something. 

Claire.





Like 0      
05 Jun 2013 10:14 by Roly2 Star rating in Almeria. 651 posts Send private message

 That is great - I was not being critical or negative - honest!   It is just that people do underestimate the costs of schooling.  Learning Spanish is a great first step to everything.  It is hard - but it really is worth it.  It opens up a whole new Spain.  Someone on the forums put up a link for moving families with kids out - it might be worth having a look to see if that is still there.

Good luck.





Like 0      
05 Jun 2013 12:29 by guslopez Star rating in Lorca, Murcia.. 745 posts Send private message

eos_ian Wrote;

" I don't see why you can't pay into the system as an autonomo, I don't think you have an obligation to operate a business or declare transaction. "

 

You can't run what is in effect a 'shell' business. They do not like it & consider it fraud. They will shut it down & fine/prosecute. There used to be loads of people doing it , especially in the Valencia region & the majority were closed down.

In addition you cannot run a proper business continually at a loss. The Hacienda  will shut you down.

 

Under the new health rules registering after 24th April 2012 there isan option to pay voluntarily into the system & they did announce it would be set up soon.That's a Spanish "soon" of course.

 

The ages of the children, 7 & 2 , means they will be fluent in Spanish by attending a spanish school in no time.



_______________________

Todos somos Lorca.




Like 0      
05 Jun 2013 14:46 by BB1977 Star rating in North Wales. 12 posts Send private message

Thanks for your input guslopez.

This is what we thought by becoming autonomo you would have to demonstrate a viable legit business / self employment of some sort.

"Under the new health rules registering after 24th April 2012 there is an option to pay voluntarily into the system & they did announce it would be set up soon.That's a Spanish "soon" of course."

This is interesting but like you say when is "soon"?  :-/

As I orginally said this issue is such a stumbling block!!  I need some definitive info!!





Like 0      

Pages: 1 |

Post reply    Start new thread


Previous Threads

Long Term Rental - 3 posts
The Party Spaniardo - 0 posts
What are you thinking when you are driving alone? - 4 posts
Calahonda Car Boot - 2 posts
looking to rent LONG TERM 15k radius of Torrevieja, Costa Blanca - 0 posts
Help needed please - 2 posts
wifi in Andalucia - 0 posts
Handing back the keys to the bank. - 9 posts
Sad news about Julia Sinclair (Jules1) - 7 posts
Inconsistent judicial rulings, BG malpractice and ongoing concerns re consumer rights - 2 posts
looking for house to rent long term - 5 posts
Business Opportunities - 4 posts
Can anybody suggest how I can get my house valued for insurance - 3 posts
JUSTICE FOR SOME AT LAST - 0 posts
gardenfurniture area Heredades-Almoradi-Torrevija - 0 posts
Screwfix - 1 posts
Online banking from the UK - 2 posts
Transfer of car? - 2 posts
HELP in La Marina - 0 posts
Taking tennis rackets on Ryanair? - 11 posts
Advice Please wanted, Thinking of moving to spain Marbella area or Alicante , or other but unsure and need advice - 12 posts
Car Wanted in Barcelona - 0 posts
desperatly looking for all types of tradesmen in marbella area - 3 posts
another NIE number - 4 posts
NEED SWIMMING POOL CLEANER - ANY RECOMMENDATIONS PLEASE? - 5 posts

Number of posts in this thread: 12

DISCLAIMER:  All opinions posted on these message boards are the opinion solely of the poster and do not necessarily reflect the opinion of Eye on Spain, its servants or agents.


1 |
Our Weekly Email Digest
Name:  
Email:
   


This site uses cookies. By continuing to browse you are agreeing to our use of cookies. More information here. x