Retiring to Turkey
Retiring to Turkey, Although Oludeniz itself is not residential. Many British people have decided to up sticks and move to Turkey. In areas such as Ovacik, Fethiye, Calis, and Uzumlu living there permanently. Many opting to retire there.
Retiring to Turkey, or for that matter deciding to spend your retirement anywhere abroad raises many questions. Here are some answers to the ones most commonly asked :
Claiming my UK pension when retiring to Turkey ?
Yes UK citizens living in Turkey are entitled to receive their state pension. Before your move to Turkey you need to speak to the UK department for Working. Jobs and Pensions and make them aware of your intentions. Do however keep in mind that, although you will be residing in Turkey. Normal government cost of living with adjustments may still be applied.
How to claim my UK state pension whilst living in Turkey ?
Four months prior to reaching retirement age you can contact the International Pension Centre in the UK and discuss your plans on retiring to Turkey and intentions to claim your state pension when living in Turkey. Please see the following address and links for up to date information and procedures:
UK Address for Enquiries: International Pension Centre, The Pension Service 11, Mail Handling Site A, Wolverhampton, WV98 1LW. Tel: +44 (0)191 218 7777 (Mon-Fri 8am to 6pm)
Best website for information: www.gov.uk/claim-benefits-abroad
Can I still get treatment on the NHS whilst living in Turkey ?
The NHS is a residence based healthcare system meaning you are not entitled to treatment if your permanent residence is in Turkey. This matter is currently under discussion and British living abroad, that have paid over 7 years National Insurance contributions, may be entitled to free NHS care in the near future. However, this is not currently the case.
You may have heard of ex-pats living in Turkey, who retain a registered UK address and GP, still receive NHS treatment on their visits home. This may be possible but is not officially allowed. If you spend more than 6 months in every year overseas, you are not entitled to NHS treatment. Please bear this in mind when retiring to Turkey.
Does having NHS entitlement affect SGK insurance in Turkey ?
Having an NHS entitlement could affect your SGK entitlement. The SGK health insurance policy clearly states that to qualify you should not be entitled to any other state or government based health scheme overseas.
Over 65 do I need Turkish health insurance to apply for residency in Turkey ?
At present, it is not compulsory for those over the age of 65 to take out Turkish health insurance, or join the SGK system, in order to apply for short term residency. The residency laws are changing so this may not be the case for very long. If over 18 and under 65 you must have heath Insurance.
Is it cheaper to live in Turkey than the UK ?
Generally, yes, the cost of living in Turkey, especially along the coast, is still far cheaper than the UK. Rises in inflation have pushed prices up over the past few years, but daily living expenses, groceries, utilities and Turkish property prices are still low in comparison. Your pension will stretch further in Turkey! It is worth keeping in mind though that Istanbul, like London, can be pricey. Those looking to retire to Turkey normally choose to reside in areas along the Southwest coast. In areas like Dalyan, Fethiye, Calis, Ovacik, Kalkan and Uzumlu. To name just a few. Here the Turkish property prices, costs of eating out, and daily living can be very reasonable.
Why do I need to make a Turkish will ?
Inheritance laws in Turkey are different to the UK. It would be a wise decision to have a Turkish will made up to avoid any complications should anything unforeseen happen. Under Turkish inheritance law, a spouse is only entitled to receive 25% of the estate, the children receive an equal share of the remaining 75%. A UK will should be accepted in Turkey, but organizing its acceptance can be a lengthy (and costly) process therefore it is far better to have a Turkish will in place.
Many more answers to these and other questions can be found onthis Website “Doc Martins Surgery For Ex pats” and this “facebook page” where there are answers to many questions relating to Ex Pats living in Turkey.
Here is an excellent blog from a couple who did make the move from Norfolk to Uzumlu in 2012 www.fethiyefogies.co.uk