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Cyprus Eastern Forum Index » Doctors / Hospitals / Health & Medicines » How and where to pay Gesy payments
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How and where to pay Gesy payments 
Post: #1   PostPosted: Mon May 13, 2019 12:06 pm Reply with quote
scottie
Joined: 01 Feb 2012
Posts: 7521
Pictures: 0
Location: kapparis

 
Today I went to the tax office to try and get an answer to the vexed question of where and how do we pay .
For people working here , no problem , the money is deducted from their salary.
However for retired people like myself it is a problem, in as much as where , when , how .
I was told it was nothing to do with them as it is a separate " tax " to income tax 😱
Luckily another member of staff was passing , asked what the problem was and directed me to someone who does know.
A really helpful Lady told me as follows : Everyone had to fill in a tax return retired and on pension only or not. Everyone had to pay the required tax on the income they are receiving. There are no allowances , just straight forward payment on your income. You pay twice a year electronically
This could be a bit of a problem for many , if you are living on a limited income already .
Perhaps someone else has more information on this , I am just relating my experience today.
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Re: How and where to pay Gesy payments 
Post: #2   PostPosted: Mon May 13, 2019 12:29 pm Reply with quote
Hudswell
Joined: 01 Mar 2012
Posts: 911
Pictures: 0
Location: Polis

 
scottie wrote:
Today I went to the tax office to try and get an answer to the vexed question of where and how do we pay .
For people working here , no problem , the money is deducted from their salary.
However for retired people like myself it is a problem, in as much as where , when , how .
I was told it was nothing to do with them as it is a separate " tax " to income tax 😱
Luckily another member of staff was passing , asked what the problem was and directed me to someone who does know.
A really helpful Lady told me as follows : Everyone had to fill in a tax return retired and on pension only or not. Everyone had to pay the required tax on the income they are receiving. There are no allowances , just straight forward payment on your income. You pay twice a year electronically
This could be a bit of a problem for many , if you are living on a limited income already .
Perhaps someone else has more information on this , I am just relating my experience today.


That is how currently how I pay my tax on my public sector pension. I calculate the tax for the year and pay in two instalments, End of June and end of December, two in year payments. I then fill in a tax return the following March which because I have previously paid I owe nothing. I of course pay at 5% on the figure after my €3500 allowance. I have yet to see anything that explains how I am to pay the additional GESY “TAX” and exactly what portion of my “income”I pay it on....I can only assume it will be an additional levy on my existing 5%, so eventually a total of 2.7 on top of my existing 5%, but do I deduct my tax allowance when calculating the total or not...very confusing. And how is that payment reflected on the tax forms, which at present do not appear to have changed.

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Re: How and where to pay Gesy payments 
Post: #3   PostPosted: Mon May 13, 2019 12:40 pm Reply with quote
scottie
Joined: 01 Feb 2012
Posts: 7521
Pictures: 0
Location: kapparis

 
Hudswell wrote:
scottie wrote:
Today I went to the tax office to try and get an answer to the vexed question of where and how do we pay .
For people working here , no problem , the money is deducted from their salary.
However for retired people like myself it is a problem, in as much as where , when , how .
I was told it was nothing to do with them as it is a separate " tax " to income tax 😱
Luckily another member of staff was passing , asked what the problem was and directed me to someone who does know.
A really helpful Lady told me as follows : Everyone had to fill in a tax return retired and on pension only or not. Everyone had to pay the required tax on the income they are receiving. There are no allowances , just straight forward payment on your income. You pay twice a year electronically
This could be a bit of a problem for many , if you are living on a limited income already .
Perhaps someone else has more information on this , I am just relating my experience today.


That is how currently how I pay my tax on my public sector pension. I calculate the tax for the year and pay in two instalments, End of June and end of December, two in year payments. I then fill in a tax return the following March which because I have previously paid I owe nothing. I of course pay at 5% on the figure after my €3500 allowance. I have yet to see anything that explains how I am to pay the additional GESY “TAX” and exactly what portion of my “income”I pay it on....I can only assume it will be an additional levy on my existing 5%, so eventually a total of 2.7 on top of my existing 5%, but do I deduct my tax allowance when calculating the total or not...very confusing. And how is that payment reflected on the tax forms, which at present do not appear to have changed.


Think your assumption is wrong . From what I was told this is a completely different entity and not attached to income tax at all . Also and I checked twice , there is no " tax allowance " involved . Hopefully you will pay on the balance left after all other deductions , your bring home salary ?
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Re: How and where to pay Gesy payments 
Post: #4   PostPosted: Mon May 13, 2019 2:54 pm Reply with quote
Bobbeer
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Joined: 16 Jul 2005
Posts: 4567
Pictures: 8
Location: Ayia Thekla

 
scottie wrote:
Today I went to the tax office to try and get an answer to the vexed question of where and how do we pay .
For people working here , no problem , the money is deducted from their salary.
However for retired people like myself it is a problem, in as much as where , when , how .
I was told it was nothing to do with them as it is a separate " tax " to income tax 😱
Luckily another member of staff was passing , asked what the problem was and directed me to someone who does know.
A really helpful Lady told me as follows : Everyone had to fill in a tax return retired and on pension only or not. Everyone had to pay the required tax on the income they are receiving. There are no allowances , just straight forward payment on your income. You pay twice a year electronically
This could be a bit of a problem for many , if you are living on a limited income already .
Perhaps someone else has more information on this , I am just relating my experience today.


IMHO if you are retired and have a S1 form you don't pay...

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Bob
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Post: #5   PostPosted: Mon May 13, 2019 3:03 pm Reply with quote
SensibleBob
Joined: 07 Sep 2005
Posts: 1715
Pictures: 0
Location: Avgorou

 
Thanks Bob that is exactly what I was told at the hospital in Paralimni albeit at the "EU" oofice who admit they have very little recent updates and the same goes for EHIC post Brexit (IF!)
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Post: #6   PostPosted: Mon May 13, 2019 3:03 pm Reply with quote
SensibleBob
Joined: 07 Sep 2005
Posts: 1715
Pictures: 0
Location: Avgorou

 
Thanks Bob that is exactly what I was told at the hospital in Paralimni albeit at the "EU" oofice who admit they have very little recent updates and the same goes for EHIC post Brexit (IF!)
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Re: How and where to pay Gesy payments 
Post: #7   PostPosted: Mon May 13, 2019 3:29 pm Reply with quote
scottie
Joined: 01 Feb 2012
Posts: 7521
Pictures: 0
Location: kapparis

 
Bobbeer wrote:
scottie wrote:
Today I went to the tax office to try and get an answer to the vexed question of where and how do we pay .
For people working here , no problem , the money is deducted from their salary.
However for retired people like myself it is a problem, in as much as where , when , how .
I was told it was nothing to do with them as it is a separate " tax " to income tax 😱
Luckily another member of staff was passing , asked what the problem was and directed me to someone who does know.
A really helpful Lady told me as follows : Everyone has to fill in a tax return retired and on pension only or not. Everyone had to pay the required tax on the income they are receiving. There are no allowances , just straight forward payment on your income. You pay twice a year electronically
This could be a bit of a problem for many , if you are living on a limited income already .
Perhaps someone else has more information on this , I am just relating my experience today.


IMHO if you are retired and have a S1 form you don't pay...


Cypriot pensioners and children pay . What makes us so special ?
It depends entirely on the final agreement concerning Brexit
You could well be correct and Britain may agree to pay as has been the way so far but that was as a fellow member of the EU .
I hope you are correct , I'm not over the moon about another bill to pay but if that does become the case , pay I will as will everyone else
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Re: How and where to pay Gesy payments 
Post: #8   PostPosted: Mon May 13, 2019 5:20 pm Reply with quote
Bobbeer
Forum Moderator
Forum Moderator
Joined: 16 Jul 2005
Posts: 4567
Pictures: 8
Location: Ayia Thekla

 
scottie wrote:
Bobbeer wrote:
scottie wrote:
Today I went to the tax office to try and get an answer to the vexed question of where and how do we pay .
For people working here , no problem , the money is deducted from their salary.
However for retired people like myself it is a problem, in as much as where , when , how .
I was told it was nothing to do with them as it is a separate " tax " to income tax 😱
Luckily another member of staff was passing , asked what the problem was and directed me to someone who does know.
A really helpful Lady told me as follows : Everyone has to fill in a tax return retired and on pension only or not. Everyone had to pay the required tax on the income they are receiving. There are no allowances , just straight forward payment on your income. You pay twice a year electronically
This could be a bit of a problem for many , if you are living on a limited income already .
Perhaps someone else has more information on this , I am just relating my experience today.


IMHO if you are retired and have a S1 form you don't pay...


Cypriot pensioners and children pay . What makes us so special ?
It depends entirely on the final agreement concerning Brexit
You could well be correct and Britain may agree to pay as has been the way so far but that was as a fellow member of the EU .
I hope you are correct , I'm not over the moon about another bill to pay but if that does become the case , pay I will as will everyone else


You will continue to pay the local charges to see a doctor, see a specialist, etc. But you will not be required to pay the subscriptions through the tax system.
The reasoning behind the S1 form is that you do not pay anything in the UK and under one of the agreements between the two countries you will not pay here.

_________________
Kind regards
Bob
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Post: #9   PostPosted: Mon May 13, 2019 5:26 pm Reply with quote
madmum
Joined: 01 May 2016
Posts: 1099
Pictures: 0
Location: protaras

 
How will this apply to children where a parent who has a S1 is not required to pay?
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Re: How and where to pay Gesy payments 
Post: #10   PostPosted: Mon May 13, 2019 5:49 pm Reply with quote
scottie
Joined: 01 Feb 2012
Posts: 7521
Pictures: 0
Location: kapparis

 
Bobbeer wrote:
scottie wrote:
Bobbeer wrote:
scottie wrote:
Today I went to the tax office to try and get an answer to the vexed question of where and how do we pay .
For people working here , no problem , the money is deducted from their salary.
However for retired people like myself it is a problem, in as much as where , when , how .
I was told it was nothing to do with them as it is a separate " tax " to income tax 😱
Luckily another member of staff was passing , asked what the problem was and directed me to someone who does know.
A really helpful Lady told me as follows : Everyone has to fill in a tax return retired and on pension only or not. Everyone had to pay the required tax on the income they are receiving. There are no allowances , just straight forward payment on your income. You pay twice a year electronically
This could be a bit of a problem for many , if you are living on a limited income already .
Perhaps someone else has more information on this , I am just relating my experience today.


IMHO if you are retired and have a S1 form you don't pay...


Cypriot pensioners and children pay . What makes us so special ?
It depends entirely on the final agreement concerning Brexit
You could well be correct and Britain may agree to pay as has been the way so far but that was as a fellow member of the EU .
I hope you are correct , I'm not over the moon about another bill to pay but if that does become the case , pay I will as will everyone else


You will continue to pay the local charges to see a doctor, see a specialist, etc. But you will not be required to pay the subscriptions through the tax system.
The reasoning behind the S1 form is that you do not pay anything in the UK and under one of the agreements between the two countries you will not pay here.


I am not disagreeing with you , I know how things stand at the moment regarding the agreement which exists.
However , Brussels will decide what happens after Brexit . So it is a case of wait and see.
None of this takes away from the original point of the post , everyone has to register at the tax office
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Post: #11   PostPosted: Mon May 13, 2019 5:53 pm Reply with quote
Hudswell
Joined: 01 Mar 2012
Posts: 911
Pictures: 0
Location: Polis

 
There are people, like me, who are under state retirement age in the UK and are therefore not entitled to an S1 and reciprocal health care in Cyprus, I am however retired. I am registered, and pay Cypriot tax on my UK public sector pension. Under Gesy, I am led to believe I am required to pay a percentage of my pension above and beyond the current 5% I pay in tax, I equate it to National Insurance, for want of a better term. There has been little or no information as how I pay this new “Tax” or indeed how it is calculated, Gross or Net after tax, before tax or if my annual tax allowance is taken into account. As an afterthought I asked my health insurance provider for their thoughts and they were skeptical to say the least.

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Hudswell

Mercury Rising
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Post: #12   PostPosted: Tue May 14, 2019 4:42 am Reply with quote
Bobbeer
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Joined: 16 Jul 2005
Posts: 4567
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Location: Ayia Thekla

 
madmum wrote:
How will this apply to children where a parent who has a S1 is not required to pay?


If the parent has an S1 form dependants should also be listed and covered by the form...

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Bob
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Post: #13   PostPosted: Tue May 14, 2019 6:36 am Reply with quote
madmum
Joined: 01 May 2016
Posts: 1099
Pictures: 0
Location: protaras

 
Bobbeer wrote:
madmum wrote:
How will this apply to children where a parent who has a S1 is not required to pay?


If the parent has an S1 form dependants should also be listed and covered by the form...



Me & daughter are both covered & we have a white card with all 3 names on. Just wondering how this will be transferred to GESY
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Post: #14   PostPosted: Tue May 14, 2019 3:06 pm Reply with quote
Bobbeer
Forum Moderator
Forum Moderator
Joined: 16 Jul 2005
Posts: 4567
Pictures: 8
Location: Ayia Thekla

 
madmum wrote:
Bobbeer wrote:
madmum wrote:
How will this apply to children where a parent who has a S1 is not required to pay?


If the parent has an S1 form dependants should also be listed and covered by the form...



Me & daughter are both covered & we have a white card with all 3 names on. Just wondering how this will be transferred to GESY


You register the person who qualifies for the S1, then add the rest of the dependants as beneficiaries..

_________________
Kind regards
Bob
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Post: #15   PostPosted: Tue May 14, 2019 4:55 pm Reply with quote
madmum
Joined: 01 May 2016
Posts: 1099
Pictures: 0
Location: protaras

 
Bobbeer wrote:
madmum wrote:
Bobbeer wrote:
madmum wrote:
How will this apply to children where a parent who has a S1 is not required to pay?


If the parent has an S1 form dependants should also be listed and covered by the form...



Me & daughter are both covered & we have a white card with all 3 names on. Just wondering how this will be transferred to GESY


You register the person who qualifies for the S1, then add the rest of the dependants as beneficiaries..




Ive done it the wrong way round then. ive registered but not got as far as putting in my details. guess better start again and do it as husband
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Post: #16   PostPosted: Fri May 17, 2019 5:43 pm Reply with quote
Sting007
Joined: 09 Aug 2018
Posts: 63
Pictures: 0

 
Hudswell wrote:
There are people, like me, who are under state retirement age in the UK and are therefore not entitled to an S1 and reciprocal health care in Cyprus, I am however retired. I am registered, and pay Cypriot tax on my UK public sector pension. Under Gesy, I am led to believe I am required to pay a percentage of my pension above and beyond the current 5% I pay in tax, I equate it to National Insurance, for want of a better term. There has been little or no information as how I pay this new “Tax” or indeed how it is calculated, Gross or Net after tax, before tax or if my annual tax allowance is taken into account. As an afterthought I asked my health insurance provider for their thoughts and they were skeptical to say the least.


Hudswell, I'm in the same position as you and cannot find the answer to my GESY payments. If and when I find out I'll update this post.
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Post: #17   PostPosted: Fri May 17, 2019 6:22 pm Reply with quote
scottie
Joined: 01 Feb 2012
Posts: 7521
Pictures: 0
Location: kapparis

 
Sting007 wrote:
Hudswell wrote:
There are people, like me, who are under state retirement age in the UK and are therefore not entitled to an S1 and reciprocal health care in Cyprus, I am however retired. I am registered, and pay Cypriot tax on my UK public sector pension. Under Gesy, I am led to believe I am required to pay a percentage of my pension above and beyond the current 5% I pay in tax, I equate it to National Insurance, for want of a better term. There has been little or no information as how I pay this new “Tax” or indeed how it is calculated, Gross or Net after tax, before tax or if my annual tax allowance is taken into account. As an afterthought I asked my health insurance provider for their thoughts and they were skeptical to say the least.


Hudswell, I'm in the same position as you and cannot find the answer to my GESY payments. If and when I find out I'll update this post.



As I said I visited the offices and was so lucky to find the right person .
She told me I would be billed twice a year , bill to be paid electronically.
When I pointed out that some did not have that facility she said it could be paid at the office .
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Post: #18   PostPosted: Fri May 17, 2019 6:41 pm Reply with quote
bromerzz
Joined: 30 Aug 2005
Posts: 4000
Pictures: 0
Location: Deryneia

 
My wifes Cyprus pension was deducted 1.7% from her pension payments effective 28 March this year. Simple really she now receives exactly 1.7% less pension than previously.
That I believe is the GESY payment element deducted at source in line with what was published at the time in the Cyprus press.
Yes we are both British pensioners with health cover following submission of S1s provided by the DWP.
It is only a relatively small deduction and not something worth the effort of going from place to place and queue to queue to reclaim.
I agree with the interpretation/statement that UK pensioners who have submitted S1 will receive GESY cover at least whilst we go through transition under the Brexit arrangements.
As the deductions for GESY have only come into force in 2019 then of course the 2018 tax returns will not show or have any amount deducted, we need to wait until 2020 and next years tax return to see what shows up.
Don't worry be happy.
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How and where to pay Gesy payments 
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