Medical Insurance

[robroy]

Hi,
this is my first time so bear with me please.
we are in the first throes of investigating immigration to Florida but have elderly dependants. they live with us in UK but have only their state pensions as income.
I am concerned that their pensions will be swallowed up in health insurance.
does anyone have any views or comfort to give me?

thanks in advance
Robroy

[blott]

Hi Robroy

Welcome to the forum.

I'm not sure how you're intending to take elderly dependants with you if you move to Florida? What relationship are they to you and are you purchasing a business, transferring a business over to the USA or taking up employment with an employer?

Health insurance premiums in the USA (depending on their ages and state of health now) would more than likely be more expensive than the amount they receive as their State pensions.

Health insurance in the USA also doesn't cover the whole cost of each doctor's visit, prescription or hospital stay. The most expensive health insurance usually only covers 80% of the total cost, leaving them to fund the other 20%. Less expensive insurance will cover even less of the total amount, making the contribution they'll be expected to pay even more.

Sorry but this probably isn't good news for you. If you can answer the questions about what you're intending to do to move to the USA and what relationship they are to you, we would be able, I'm sure, to help further.

[florida4sun]

Hello,
there is no way to bring elderly dependants unless they have a green card. Health insurance would be near impossible, sorry.

quote:Originally posted by robroy

Hi,
this is my first time so bear with me please.
we are in the first throes of investigating immigration to Florida but have elderly dependants. they live with us in UK but have only their state pensions as income.
I am concerned that their pensions will be swallowed up in health insurance.
does anyone have any views or comfort to give me?

thanks in advance
Robroy

[robroy]

Bltt, Martin,

thanks very much for your replies.
To explain our situation and intent.
We are a family of eight. Myself and wife. Daughter and son-in-law and thier young son. I also have a 25 years old son who wants to move with us.
The dependants are my wifes parents who have been living with us since 1983. in fact we all live together at present.
The intention is for my son in law and myself to buy a business between us on e2 Visas and work around that.
can you make further observations please?

Regards

Robroy

[blott]

If you and your son-in law go into partnership, that would cover most of the family going over with you as they are classed as dependents. Your 25 year old son wouldn't be a dependent and would need to be made part of the business or he won't be able to go.

BTW, if you're thinking of an E2 visa, I don't know the age of your grandson but he would need to attend university at 18 - 21 or have the possibility of getting deported at age 18 (if he wasn't in full time education) or 21 (if he had been in full time education until that age) unless he manages to obtain a visa on his own behalf at either of those ages.

Whilst you obviously class your parents-in-law as dependents, the USA government doesn't. Dependents are a couple and their children under the age of 18 (if in full time educaation).

Without your parents-in-law working, there's no way you could take them with you. They could apply for a B2 visitors' visa which would give them a maximum of 6 months in any 12 months to visit only. I honestly don't think that they would be able to afford medical insurance on just their State pensions either.

I'm sorry, I know that's not what you want to hear.

[robroy]

Blott,

many thanks again for your thoughts on the subject. Yes, it may not be want we want to hear, but if this is the case it can save a lot of time and maney before we commit.

We are still being told by a UK based lawyer that our independent parents could go with us, so we are in conflict here. We are also told by same source that our son would need to run his OWN business. Do you think he could work as part of a threesome in a family concern?...I am thinking convenience store/retail here.

Incidentally, my Grandson is 5 next May.

Thanks again for your input.

robroy

[blott]

OK Robroy so you have a conflict of info here between your immigration lawyer and ourselves!

First of all, try reading this http://www.usembassy.org.uk/cons_web/visa/niv/e.htm which I think you'll find confirms what we've been saying here.

The only problem I can see with your son being part of your visa application is that the income from the business would need to be substantial in order to be seen to support all of you. Normally that's around $60k for one couple so would have to be substantially more ($120k) to support two families and even more than that ($180k) to support all three partners. I'm doubtful if you would find a convenience store/retail operation with that sort of income level after expenses.

Beware that some immigration lawyers will tell you stuff that not's strictly true, particularly the ones who ask for a lot of money upfront and they give no guarantee of success. Some people have lost lots of money and ended up with no visa.

I know Esprit had a very good immigration lawyer who specialises in E2 visa applications with a high success rate (Esprit is currently in the USA running her own business) who will not let you put in an Embassy application unless every i is dotted and every t is crossed. If you check out this thread http://www.orlando-guide.info/forums...gration,lawyer you'll find the details.

[esprit]

Two of you could co-own a business 50% each and both get an E2 and that persons spouse and dependants would be E2 dependants ( only up to 21 or leaving education in the case of a child) A third person would need his own business and own E2. I dont see any way you can take elderly parents with you full time. They can stay 6 months on B2 but will have to spend 6 months in the UK. The retirees visa was rejected by Senate a couple of years back.. If it was in force, we would be using that not E2 and would have kept our money in the bank.
My attorney was www.investorvisausa.com who will tell it like it is not how they can best earn commission!!
Inusrance. really dear even at our age ( early 50s). I think you would pay an arm and a leg even if you could get it.

[robroy]

OK! Thanks to you both....need to give this a lot more thought...

[Lee J]

Robroy

Check this out...

Can my children and elderly parents come too? Answer: Yes. Children under 21 receive E-2 dependents' visas. On reaching 21, to remain in the U.S., they must change to a different status, independent of their parents. This can be, for example, based on full-time student status, employment, or marriage to a U.S. citizen. Elderly dependents can normally come with you on B-2 tourist visas, and remain with you in that status as long as you remain in valid E-2 status, and they continue to be considered temporary visitors.

look at www.investorvisausa.com for more info - this may be possible for you after all...