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Government pension and tax


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    Hello. I am new to this forum and am very grateful for much information garnered already. I have tried to look throught the back pages to see if my question has been answered and I crave your indulgence, and a pointer, if it has.

We are both in our fifties and are moving to live permanently in France in June this year. I had always assumed I would pay all taxes and charges there. However, I discover that as I am in receipt of a government pension it will be taxed in the UK.

I am now unclear as to my status regarding health care charges and social charges. I am not entitled to an E106 as I retired more than two years ago and, as I understand it, will not be entitled to cover under EHIC once I declare residency in France. I am a little concerned as health cover will be withdrawn in the UK (despite my paying taxes!).

Any help would be gratefully received.

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As a French resident, you must join the French system. You need to go to your département's CPAM office, with evidence of identity, address, birth certificates, and evidence of income. Also evidence of refusal of E106. They will tell you exactly what you need, it is likely to vary according to your particular circumstances. In rough figures, you will be expected to pay 8% of your income above about 7000€. This wil entitle you to 65%-70% refunds for most things, you can buy a top-up insurance to cover the rest.

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I am in a similar situation. My RAF pension is taxed in the UK, but I am not entitled to use the NHS despite having a war pensiom too. My E106 ran out in Jan, but with an income of around 9000€ for two of us we are in the French system and they have not asked us to pay anything towards CPAM. We pay no French tax on the pension as it is taxed in the UK.

When my wife reaches 60 we will get a E121 which will cover both of us and we will also then get a pension for her from hte UK

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