i am aware of the process for the basic health care through the kvg Gemeinsame Einrichtung and the form s2 i need from the uk. i am however looking for further info on obtaining additional support for my mothers care.
any tips would be much appreciated.
thanks
Maybe check Meloncollies post. She was looking into bringing her parents over from the US. That was a couple of years ago. She didn't in the end.
Do your parents speak any German? How will the talk to the other people in the care home? They will be very lonely. I wouldnt do it.
Super thanks Juliet31 will talk to the AHV/IV first.
My mum is German so language is not an issue, she is living in Germany at the moment. Her health insurance and social services are provided to her as a "serviced foreigner" by one of the German Health Insurances, as a long time UK resident as part of the european agreement. She left the Uk about 10 years ago which may make a difference. I will investigate.
You should really contact Lamal in Olten and ask them direct.
Have your parents got any savings or a house to sell- as then they would have to pay for the Care home themselves anyhow, and only have some of the health costs covered.
If your mum was not a UK resident and tax payer, or getting a pension from the UK- I don't see how S1 would help here?
If your mum is German and lived in Germany, than the UK has nothing to do with this. Or does she have a pension from UK and lived there for most of her life?
KVG
https://www.kvg.org/en/home.html
with a new S1 form issued by the Oversseas helath Services Newcastle for Switzerland my mother would be covered with the basic healthcare (Grundversicherung). They will also cover care costs paid to the provider directly once the GP has issued the "prescription" and has validated the level of care that is required.
ahv/iv
most of that is means tested with the cut of being 100,000 CHF in savings or income. The only non means tested help is the disabillity allowance; of which there are three levels. which will need to be applied for.
Overseas health services newcastle
at the moment with the currrent withdraw agreement my mum would still be eligible for a new S1 for Switzerland. process of cancelling and applying for a new S1 can take up to one month. NOTE: they require your EHIC card back, so don't throw that away!
so there are possibilities of financial support and as we know it will require extra funds to cover the higher Swiss costs.
yes it is the S1 rather than the S2 as i just found out.
Have you had a look at the cost of Care Homes in your region? The costs are astronomical!
This is tricky. Since you were here before Brexit you should still fall under the EU family reunification rules I think.
https://www.ch.ch/en/family-reunification-eu-efta/
However, the financial support may be a problem if your mother needs to be in a care home. You may not be granted the family reunification permit if the authorities decide your finances, not hers, are not up to supporting her properly.
Mind you, is is almost as bad and often with much lower quality- in the UK. Not sure about Germany.
IV is the Invalidenversicherung. It is the insurance that provides disability pensions to disabled persons under the legal retirement age.
https://www.ch.ch/en/invalidity-insurance/
AHV is the Alters- und Hinterlassenenversicherung. It is the insurance that provides retirement pensions to persons over the legal retirement age.
To be eligible for these pensions, the person must have contributed to the AHV social security, typically by means of a deduction from their salary during their working lives.
Neither of them is means-tested in any way. They are measured only in terms of one's contributions and the number of contribution years.
There are supplementary benefits (called "Ergänzungsleistungen" in German). They are a top-up if the IV or AHV pension is too low to cover one's living costs, for example by not being able to fund one's own old-age home. The assessment for these Ergänzungsleistungen is, indeed, means-tested , such that one must effectively first use up almost all of one's assets before becoming eligible. Even so - as I understand it, they are available only to recipients of a Swiss IV or AHV pension .
https://www.spitalfmi.ch/fileadmin/i...tritt_2021.pdf
Dieses Papier soll Ihnen helfen Fragen, rund um den Heimeintritt zu klären. Es befasst sich ausführlich mit der Finanzierung des Heimaufenthaltes.
Heute leben ältere Menschen solange wie möglich zu Hause, oft unterstützt von der Familie, Freunden, Bekannten und der Spitex. Der Heimeintritt findet erst statt, wenn die pflegerische Unterstützung zu Hause mit diesen Hilfen nicht mehr gewährleistet werden kann.
Heute gibt es keinen Unterschied zwischen Alters- und Pflegeheimen. Beide können die benötige pflegerische Unterstützung gewährleisten.
This paper is intended to help you clarify questions relating to home entry. It deals in detail with the financing of the home stay.
Today older people live at home as long as possible, often supported by family, friends, acquaintances and the Spitex. Entry into the home only takes place when the nursing support at home can no longer be guaranteed with these aids.
Today there is no difference between retirement and nursing homes. Both can guarantee the necessary nursing support.
There's also some advice available available here, through the fmi (regionale Spitalzentrum in Frutigen, Meiringen, Interlaken):
https://www.spitalfmi.ch/de/spital-f...meintritt.html
or from these social workers:
https://www.spitalfmi.ch/de/spital-f...lberatung.html
If needed, please use deepl or google translate. Sometimes they produce slightly different results, so I find that using both can bring clarity.
Good luck with your research!