Sheryl

.Age related SS benefits are not related to the number and age of dependents. There are some specific situations where a dependent child (aged under 18, or aged 18-19 and still in school) can themselves receive a SS benefit tied to the retiree's earning record.

Yes earned includes such things. But in ths case of US Social Security it cannot be taxed in Thailand per the US Thai Tax Agreement. DITTO uS government pensions. Terms of other countries' treaties vary when it comes to pensions.

I haven't seen any policies with "small print". As your thread is about getting refund of your premium after cancellation: what are the policy conditions for that? And do you have proof you notified company of cancellation and requested refund? As this is what it will come down to.

Already ansered in another thread https://aseannow.com/topic/1309407-pls-recommend-bangkok-doc-for-ablation-for-paroxysmal-atrial-fibrillation/ This one closed.

This thread seems to assume: 1. That only things harmful to one's health are enjoyable. 2. That things harmful to one's health will only shorten life, nto affect it's quality. #2 is definitely wrong. #1 is certainly not true for everybody. Most people I know are not concerned much with the length if their life but rather with its quality - which does require some attention to health.

If you find out, let me know. The Thai Embassy in PP often applies different rules to Cambodians with regard to visa than is the norm elsewhere. As for the web site those postings are both very old and not specific to Cambodians.

Per the OP no notice - much less a couple of hours notice -- was given.

From feedback, I cannot recommend that option. At least not for anything serious or needing speciliazed care.

Nothing in the OP suggests the man in question is worried about his insurance. Nor does it imply any insurance claims were denied, on the contrary it implies all have been paid including some very hefty bills for ICU care at BPH. His friend for some reason is worried that as the insurance claims mount up at some point the insurance will no longer pay. All insurance policies have caps - -a maximum either per year or per event. Possibly he is nearing that threshold. Or, possibly his friend is unnecessarily concerned. Without details as to the specific policy impossible to say.

Making a complaint to the OIC in no way precludes subsequent legal action. The OIC is consumer-friendly. It is also inclined to be very literal with respect to insurance contract provisions. If your insurance policy states that all or part of premium is refundable, and you went through the prescribed procedure to request refund, OIC will require that the insurer issue the refund. Often as soon as insurer learns you made a complaint to the OIC, that is all it takes to spur them into action. (Provided of course your are entitled to a refund under the terms of the policy).

If she is employed but not a civil servant then she is under regular SS. Spouses are not covered, only the employee.

If unable to find in local pharmacies can order from https://medtide.com/ or https://medisafepharma.com/ For medtide you have to register and sign in to do a search. For medisafe search function online does nto work, use messenger to send inquery.

As there is a lot of confusion on this thread let me clarify: The Thai system of universal health care access has 3 channels: 1. Civil service Social Security system. This is only for civil servants; people working for government on a contractual basis do not qualify. Foreigners who are married to a civil servant, or are the legal parent of a civil servant, are covered through them. This is the only one of the 3 channels of health cover where this is true. Only biological parents or legal adoptive parents are covered; "step parents" are not. 2. Regular Social Security covers most people employed in the private sector, with exception of very small employers and some private schools. Foreigners are covered if employed but cannot be covered through a spouse or child. Once under this scheme and employed more than a year it is possible to continue it indefinitely through private contributions. 3. The "universal" or "30 baht" scheme covers all Thai nationals not covered under one of the 2 schemes listed above. Only Thai nationals are eligible.

Step-parents do not qualify, period. Nationality does not matter. What matters is that you are not the legal parent. If you have legally adopted the child then yes, would qualify as you would then be the legal parent (and the biological father no longer so).

Moved to the health forum UHC is not same as SS. And SS has 2 types, regular and Civil Service. If your wife is a career civil servant and thus under the Civil Service SS system you as her husband are also covered. Not the case for the universal (AKA "30 baht") and regular SS system.

Note that while much, much cheaper than private hospitals (compared to BPH, about 25% the cost in general though it will vary with the treatment) , it will be difficult if not impossible to use insurance there. He would probably have to pay up front and be reimbursed and the level of documentation might not meet insurance company requirements for reimbursement. There will not be direct payment arrangement with insurer like there is at BPH. BPH is the most expensive hospital in Pattaya area and one of the -- if not the -- most expensive in the country. There are some less expensive private options nearby e.g. https://www.phyathai-sriracha.com/ https://www.samitivejsriracha.com/ https://www.pattayamemorial.com/

She already had a non-O visa. She was applying for extension of stay.

until 1 January the prior tax code provision prevails which is that income brought into the country after the year in which it as earned is not taxable. So you are fine for money brought in now assuming it was not earned this year. Whether or not future remittances would be taxable depends on a host of complex factors. You should carefully read the Tax treaty between your country and Thailand. Often some types of income (e.g. government pensions) are not taxable in Thailand while other types are but it does vary from treaty to treaty. IF you have an income stream which under the relevant tax treaty is not taxable in Thailand then it would make sense to limit remittances after 1 January to that and bring into the country now whatever additional you might need to get by on that in future.

My recebnt order arrived in under 2 weeks.

There is indeed an option to book a larger car ( at slughtly higher price) but my experience (in Bangkok) has been that booking regular I still often (not always) get SUV and rare to get car that is not larger/higher than a taxi.

Use Grab. Costs about the same (maybe few baht more) and the cars are usually larger. Also cleaner and reliably air con which cannot be said for taxis.

1. Absolutely worth it. 2. Reduces occurrence of both shingles and post-herpetic neuralgia (a complication which can be permanent) by over 90%. Almost double the effectiveness of Zostavax.

Per his prior posts daughter has graduated from university and has a job. She is not (or should not be) the issue. It is his middle aged wife with no degree and no work experience who is of concern. The "loads of cash" is "loads" only if viewed in the very short term. It is not going to be sufficient to support his wife for the rest of her life though, if properly structured, could make a good contribution towards that. Hopefully daughter would kick in the remainder. As he currently has it set up, there is no mechanism to support his wife after he is gone, and it should be noted her lack of any work experience is due to his preference that she be a full-time home maker. Should also note that she in any case will be retirement age in 10-20 years with no income at that time (other than the government's paltry 600 baht a month) unless he does some planning now.

Which hardly meets his stated objective of providing for his wife after his death, even if she could manage to financial aspects (questionable). She's got another 25-40 years to go. IMO he needs to tie up as much money as he comfortably can (while still keeping aside what is needed for visa extensions) in an instrument which yields interest without risk of the capital and will yield a regular lifelong income (not a lump sum!) to his wife after his death. Such instruments exist. Of course there is a trade off between risk and interest rates and an insured product which does not risk the principal and provides a guaranteed level of pay out will be lower interest, but still probably more than he is getting in a savings account. Most importantly it will protect his wife from: financial requests from relatives bad/uninformed financial decisions (her own or others) outliving her resources (very, very likely otherwise)

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