ramrod

Members
  • Content count

    21
  • Joined

  • Last visited

Community Reputation

10 Neutral

About ramrod

  • Rank
    Member

Profile Information

  • Location Ismaning, Munich
  • Nationality British
  1. health

    thanks all your help everyone - extremely constructive !   
  2. health

    glad I asked the question ...back to Norway !  
  3. health

    actually under EU law a UK company is still legally obliged to pay an employees health contributions  if the employee lives in one member state but works and is employed in another -this is a fact until 31/12/20 - in my case it has been determined that I am a German residence the social security liability lies here not in the UK.    By EU law my company should pay the TK contribution - what I am trying to do and being helpful is to effectively top up what they would have paid in the UK for my NI - so its a case of their contribution here for TK should EUR 850 whereas under the NI in the UK it was EUR 400 - so I am paying the difference - hope that make sense. TK allow the employee make the contribution - so all I am trying to do is ensure that that NI contribution that would have paid in the UK by my employer comes to me so I can pay TK.    But their payroll do not understand how to do this - I could leave it as and the TK or GKV will eventually take my company to court for payment (by that stage I would imagine I would be sacked !) - so I have to pursue this. 
  4. UK HEALTH TO GKV

    NO - but in his defence he was meant to just helping me as (my partner is his client) anyhow I have not been accepted into the German system from 1st April 2020    BUT the latest is this ....   My UK base employer  understands that any National Insurance contributions made in the UK should now go to the GKV (my A1 states I am subject to German Social Services until 31/12/21) - more specifically TKV - so they have no issue with paying the contributions they would have paid for me in the UK -  Obviously this does not cover the full amount due but we have come to an arrangement whereby they have increased my salary to accommodate the increased social service bill - so far so good !      If anyone here has experience of TK they may know that they provide a help to UK firms with the provision of a form that allows my to pay the amounts myself to the TK rather than the employer (it actually saves them paying out for specialist firms to work out what is due etc) and also has the added bonus that they work out the amounts due.   So in my mind it is simply a case of getting the National Insurance contributions (employer and employee) included as a credit on my monthly salary ...Has anyone else ever dealt with this ?? - As it appears whilst my UK employer is happy to do do this - their Payroll provider in the UK so do not have a clue or understand how to do this ??? - HMRC are fully aware that I resident in Germany - and have my documentation it is merely the UK payroll that do not understand    
  5. health

    Sorry to return to this painful subject but I am nearly there ! (thanks sincerely to all those who have helped in the past !)    So here goes...    My UK base employer  understands that any National Insurance contributions made in the UK should now go to the GKV (my A1 states I am subject to German Social Services until 31/12/21) - more specifically TKV - so they have no issue with paying the contributions they would have paid for me in the UK -  Obviously this does not cover the full amount due but we have come to an arrangement whereby they have increased my salary to accommodate the increased social service bill - so far so good !      If anyone here has experience of TK they may know that they provide a help to UK firms with the provision of a form that allows my to pay the amounts myself to the TK rather than the employer (it actually saves them paying out for specialist firms to work out what is due etc) and also has the added bonus that they work out the amounts due.   So in my mind it is simply a case of getting the National Insurance contributions (employer and employee) included as a credit on my monthly salary ...Has anyone else ever dealt with this ?? - As it appears whilst my UK employer is happy to do do this - their Payroll provider in the UK so do not have a clue or understand how to do this ??? - HMRC are fully aware that I resident in Germany - and have my documentation it is merely the UK payroll that do not understand it !! 
  6. UK HEALTH TO GKV

    Dear John and Redmidge   In answer to Redmidge GKV have basically said that my employer have no choice as it is in fact European law (so in a nutshell if you earn less than 40 k (or whatever the freshhold is)  you have to go to the state scheme if you live here. My employers know I work from home they also know I have moved to Munich. Under EU  law they have to pay half although I suspect and am sure they will not. - To be fair I was actually originally told my an FA I would simply tupe from UK to German health care which was clearly balls -    John I agree with you but it appears I have no choice if I wish to continue living here - I think its pretty outrageous that I am penalised and have to pay full whack - we are seriously thinking that  should now just move to UK as this is clearly a shit situation - the only upside is that if I can bear  the cost myself for 12 mos I will get cover if I am unemployed -    I really cannot believe how I have to pay so much to be with my expecting partner.  #
  7. UK HEALTH TO GKV

    Hi John thanks your reply - I believe that is made up of:   Pension Care Health Care Unemployment   TK    So yes you re correct - is there anyway to reduce this ?  - whilst EU law apparently says my employer should pay half - they will try not ...      
  8. UK HEALTH TO GKV

    Ok so who is a professional expert here ? I need to talk though the latest development ! GVK are looking to bill me for CIRCA EUR 1400 per month or health care etc - (This is the full amount as i suspect my UK employer will  NOT pay the difference ie/ there half - So whilst I know under the current law they have to - I am sure they will not..   So what are my options ?? freelance ?   
  9. UK HEALTH TO GKV

    Yes the slowness has caused issues - HMRC have bascially told me by phone that I should continue to use the EHIC card for any treatment I have here - as I am still paying National Insurance and he explicitly said  to me I should claim anything medical under it as it was not my fault GKV have not decided to allow HMRC to issue an SA1 portable health card or to join their system - this is obviously a short term solution that needs to be resolved - I will continue to pursue GKV,    Sadly the waters have been muddied by the recent COVID test where I had to prove I was a German Resident !!      
  10. UK HEALTH TO GKV

    I was not subject to getting health insurance when I became a sole resident here.    And John I cannot qualify as self employed as to do that I would be classed as a free lancer I would need more than one employer ? at present I work for just the one Lloyds Insurance broker !  but I appreciate your comments   
  11. UK HEALTH TO GKV

    and general health is gut just am 55 !   
  12. UK HEALTH TO GKV

    Hi John    Sorry there may be misunderstanding I live here and this is my only home I became a resident in September 2019 and then first went to HMRC to get an SA1  portable document or guidance regarding healthcare they referred me to GKV and thats what I am waiting on well over 9 mos now !. I am a British National who has chosen to live here but with a salary below the private health care level threshold !  my company in the UM provide no heath care benefit for me...   
  13. UK HEALTH TO GKV

    If anything I guess that I am to late but sadly my partner suggested we leave it with her financial adviser who sadly either did nothing on my behalf or was just rubbish - not impressive either way (fortunately enough Panda helpe me with my tax returns)  - ! I have chased up the GKV.   My salary circumstances are such that I am told I have to join the state scheme other private  but cannot - so the 3 month rule  is Something I am not familiar with. ) I am paying tax on income earned from working from home but have to use EHIC card for treatment...
  14. UK HEALTH TO GKV

    I approached HMRC 2nd September and then asked GKV for the SA1 porable document - they replied March 2020 saying they has received my enquiry...  
  15. UK HEALTH TO GKV

    September 2019 and started asking question to HMRC etc shortly after...