shpalman wrote: Mon Nov 30, 2020 4:34 pm
It was always the case that EU rules allowed member states to ask that anyone from another EU member state who wanted to stay for an extended period would need to make themselves known to the authorities, and possibly demonstrate some source of income and health coverage.
Yes, since 2004/38/EC - brought in at the insistence of the UK and France to keep Polish Plumbers at bay, then mostly ignored by both of those countries. But compare before and after in, say, Spain (this will be different for each country because of course with respect to TCNs all EU countries have sovrintee):
Before (EU): Income of 1x IPREM (a Spanish measure of minimum survivable income, about 550 Euros) per person per month,
or 10K Euros in the bank, checked only on the day you apply. Basically almost any couple with a UK state pension and a few grand in life savings, or a modest occupational pension and no life savings, can meet this. A surprising number of Brits in Spain are managing on really quite modest incomes.
After (TCN): Income of 4x IPREM for first person and another 1x for everyone else in the house. Must be net cash flow into your account. This works out at 32k Euros annually for a couple. That's a serious pension. (This is just for a residency visa. If you want to work, you'll need another visa, including a statement from your future employer that they can't find a qualified EU citizen to do the job. Self-employment is allowed, but they will want to see a concrete business plan that looks like it will bring in €32K with a decent margin.)
Before: Health cover via S1 certificate, or local health card if you have any job (even self-employed), or private insurance with no deductible from any EU-based company. Again, for a retired person, this is no problem: The NHS will give you an S1 and even an EHIC to use in the rest of the EU.
After: Private insurance with no deductible, from an approved list of policies with Spanish companies. This will be a killer for many older people, as a bad pre-existing condition will mean huge premiums. You can't say "Oh, well cover me for everything apart from a recurrence of my cancer, if that happens I'll throw myself on the mercy of the Spanish national system".
Before: Rock up in Spain, look around, decide you like it, rent a furnished place, find a place to buy or long-term rent, apply for residency. In theory you have to do this within 90 days of your arrival, but there are no fines if you don't get around to it for a bit longer. The presumption is that the answer will be "Yes" unless you are an obvious drain on society.
After: Before leaving UK, apply at Spanish consulate for a residency visa, which involves an in-person interview. Take along proof that you will be able to meet the income requirement and costs of health insurance. If you get the visa, which can be refused for any reason, move to Spain. Get settled in. Go to immigration police and hope that they agree with the visa people, especially if you have just put down a deposit to buy a flat or house. Probably safest to rent while getting your residence card, then move again when you can buy somewhere. Only a little bit of extra hassle, eh?
Before: After 5 years of continuous residence, you get upgraded to permanent resident status, no questions asked.
After: You have to prove you are continuing to meet the income and insurance requirements twice more during the 5 years.