Senior on UK Ancestry - heart attack? stroke?

[confusedcanuck]

I am a senior citizen planning to apply for a UK Ancestry Visa. I am confident that I qualify as my paternal grandparent was born in England and I have the required birth certificates and have a modest but sufficient income through pensions and an online business. I understand that I would be covered by NHS but ineligible for other benefits. I am in excellent health but still need to consider possible scenarios. My question: What happens if I were to suffer a stroke, for instance, and needed home care or to go into care? Does my coverage under NHS cover such care? By the way, my income would not be affected if I were incapacitated. My business is self-running. It would need only monitoring daily. I would arrange for someone to be on hand for that.

Thanks kindly

[alterhase58]

I'm not an expert on ancestry visas or home care arrangements, though who knows when one might need it ... Home (or Social Care) is not covered by the NHS though there have been discussions over the decades to combine it into th NHS. Not sure whether you have looked at the topic in more details but perhaps this site from AgeUK may give you some pointers: https://www.ageuk.org.uk/information-ad ... r-homecare

[CR001]

If you needed care or a care home, you would have to pay for it. It is not free and daoent fall under the NHS as such but under the local authorities and private care.

It is rarely free even for British citizens.

[confusedcanuck]

Thank you both so much for replying. It is as I thought it would be but just needed clarification. Normally, I would be the first to say that at age 76, my plan would be foolhardy no matter how healthy I think I am. But it is a complicated situation. I have two options: the UK Ancestry Visa and the Spouse Visa (or whatever it's called these days). My husband is British. We have been married since 2010. I was living in England with him on Discretionary Leave but lost it when I was forced to leave the UK (domestic abuse). My husband has since suffered a massive stroke and is wheelchair-bound with left side paralysis. He is 85 years old. He receives Attendance Allowance, is in Council housing and receives care at home. I would like to return to be with & support him. It is my understanding that if I chose the spouse route, my immigration status would be safe while he is at home. If/when he dies, I would be able to apply for Indefinite Leave as his widow. But if he needs full-time care in a care home (signs of dementia have begun), I would be in difficulty. As it stands now his receiving Attendance Allowance means we don't have to have a minimum income of £18,600. When he goes into care, he,of course, would lose that and I would immediately have to have an minimum income of $18,600....which I would not be able to do. I began to look at the Ancestry route instead. It seemed a much safer option....unless I need care within 5 years. Difficult decision, this. If anyone knows of any other scenarios i need to examine, I'd be most grateful.

[JB007]

I understand that I would be covered by NHS but ineligible for other benefits. I am in excellent health but still need to consider possible scenarios. My question: What happens if I were to suffer a stroke, for instance, and needed home care or to go into care?

It's not just benefits that you would not be able to have with the No Recourse to Public Funds as a condition of your visa. Public Funds are many benefits, social housing, homelessness assistance and social care.

[JB007]

Thank you both so much for replying. It is as I thought it would be but just needed clarification. Normally, I would be the first to say that at age 76, my plan would be foolhardy no matter how healthy I think I am. But it is a complicated situation. I have two options: the UK Ancestry Visa and the Spouse Visa (or whatever it's called these days). My husband is British. We have been married since 2010. I was living in England with him on Discretionary Leave but lost it when I was forced to leave the UK (domestic abuse). My husband has since suffered a massive stroke and is wheelchair-bound with left side paralysis. He is 85 years old. He receives Attendance Allowance, is in Council housing and receives care at home. I would like to return to be with & support him. It is my understanding that if I chose the spouse route, my immigration status would be safe while he is at home. If/when he dies, I would be able to apply for Indefinite Leave as his widow. But if he needs full-time care in a care home (signs of dementia have begun), I would be in difficulty. As it stands now his receiving Attendance Allowance means we don't have to have a minimum income of £18,600. When he goes into care, he,of course, would lose that and I would immediately have to have an minimum income of $18,600....which I would not be able to do. I began to look at the Ancestry route instead. It seemed a much safer option....unless I need care within 5 years. Difficult decision, this. If anyone knows of any other scenarios i need to examine, I'd be most grateful.

I recall reading this before, albeit a good while ago. Was that you?

[confusedcanuck]

Yes, thank you, I did understand that about Public Funds. It's a bit scary. I think the Ancestry visa is designed more for a much younger crowd. I would keep enough funds in reserve so that I could head back to Canada if I was hit with complications that I had time to deal with. But then I started to think about something that hits quickly, like a stroke, and began to feel uneasy. I did have questions about our situation a few years ago so maybe you do remember my questions. It's been a long, complicated situation and I'm not sure I'm any closer to finding a remedy. Sometimes I wish I could just let go but I don't seem to be any closer to that either.

[CR001]

Do you recall what your previous username was?

[confusedcanuck]

Sorry, no I don't. It's been awhile.

[secret.simon]

I think the Ancestry visa is designed more for a much younger crowd.

The Ancestry visa has an expectation, indeed a requirement, that you will work in the UK (i.e. it is a work visa). At your age, you may not meet the requirement.

Financial requirement for UK Ancestry
UKA 5.1. The decision maker must be satisfied that the applicant can and will adequately maintain and accommodate themselves, and any dependants in the UK, or applying for entry clearance, without recourse to public funds.

UKA 5.2. Funds must be shown as specified in Appendix Finance.

UKA 5.3. In assessing whether the applicant meets the financial requirement in UKA 5.1, the decision maker may take into account credible promises of financial support from a third party, such as a relative or friend of the applicant.

Work requirement for UK Ancestry
UKA 6.1. The applicant must be able to work and intend to seek and take employment in the UK.

[confusedcanuck]

I meet the work requirement. I have an established online business.