Brexit residency and health insurance

Hi,

Your husband must have a Dutch health insurance if he lives in The Netherland. I don't know how it is goes for you after Brexit. government.nl health insurance

Hi and welcome to the Forum.

A couple of points:

When your wife joins a Dutch Health Insurance scheme, it will be backdated to the date she arrived in the Netherlands, so you save nothing by not joining.

It's not absolutely certain, in as much it hasn't been decided in black and white, but the current view is that she will not be able to work for a UK company post-Brexit as she has a UK work contract that cannot be enforced in a Dutch court; as a resident in the Netherlands, she also has to have all the things a Dutch employee enjoys.  If her company wish to retain her services, they need to find a way to make sure they comply with Dutch law in doing so.

Some of the benefits she enjoys in the UK (i.e. company pension, payroll tax-efficient schemes) are in fact UK HMRC funded and are income that may be liable for tax in the Netherlands.

One word of warning; if you thought the HMRC were difficult, they are nothing compared to their Dutch cousins, the Belastingdienst.  You will both get blue envelopes drop through your door in the New Year, they are your Dutch Tax returns.  there is a double-taxation agreement in place between the UK and NL, this treaty is nothing to do with the EU, so not affected in any way by Brexit.  The treaty basically says that one country will not tax a resident the other country if the home tax scheme has already assessed them for tax.   As residents in the Netherlands, you will be assessed there on your worldwide income for the previous 12 months (Jan > Dec).  So income tax is not really a problem, but social taxes are not covered by the tax-treaty, so you will pay all Dutch social taxes (28%) on your worldwide income for the previous 12 months.  My advice is to go and speak to a Dutch tax adviser.  This happened to me when I first moved there and it was a nasty surprise that I hadn't thought about.

So, some food for thought.

Hope this helps.

Cynic
Expat Team

Please be careful too about assets in the UK. The Dutch tax you on your worldwide assets. I am renting out my flat in the UK and have had to pay tax on the VALUE of the asset not on the rental. I was also stupid enough to tell them about my UK bank account and they taxed me on the value of that too.

bmcc11 wrote:

Please be careful too about assets in the UK. The Dutch tax you on your worldwide assets. I am renting out my flat in the UK and have had to pay tax on the VALUE of the asset not on the rental. I was also stupid enough to tell them about my UK bank account and they taxed me on the value of that too.

So you already paid taxes over your assets in the UK and then you had to pay Dutch taxes too? Weird.

In the UK, they do not tax on assets. They tax on the income from assets.They do not have a wealth tax.

Ramses K. wrote:

bmcc11 wrote:

Please be careful too about assets in the UK. The Dutch tax you on your worldwide assets. I am renting out my flat in the UK and have had to pay tax on the VALUE of the asset not on the rental. I was also stupid enough to tell them about my UK bank account and they taxed me on the value of that too.

So you already paid taxes over your assets in the UK and then you had to pay Dutch taxes too? Weird.

The tax agreement between UK/NL only applies to Income Taxes; all other sources of UK income are liable to relevant Dutch taxes.

Ah did not know that, but not telling the belastingdienst about your income abroad is not advisable. If they find out you are in deep shit.

Ramses K. wrote:

Ah did not know that, but not telling the belastingdienst about your income abroad is not advisable. If they find out you are in deep shit.

LOL - my downfall was social taxes, closely followed by moving there in the last week of 1994, so I got assessed for the whole of that year.  I agree that trying to hide stuff from the Belastingdienst is just plain dumb; they have heard every story, from every country many times over.