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The premiums are [i]usually[/i] less…[i]at least at this time they are[/i]… but if you are still under 55. your payments will still be higher, [i]possibly double[/i], than someone who is over 55 and will continue to be so, until than you are 55 😉
[quote=”costaricafinca”]The premiums are [i]usually[/i] less…[i]at least at this time they are[/i]… but if you are still under 55. your payments will still be higher, [i]possibly double[/i], than someone who is over 55 and will continue to be so, until than you are 55 😉
[/quote]Might want to check with ARCR …. they informed their members of a rather significant CAJA increase for all residency categories. They might be your best source of correct information. There’s a lot of very unhappy fixed income expats that are stuck with large increases and limited options on returning to their country of origin. One would have to suspect the recent CAJA increases will not be the last for that service or other new taxes (or increases) the new president is counting on to keep the masses calm.
[url=http://issuu.com/el_residente/docs/residente_2014-05/1?e=3794147/7730209]ARCR is no longer accepting new members[/url], (Pg.4, bottom right side, last paragraph) so the premiums they posted regarding increases are for [url=http://www.usexpatcostarica.com/arcr-rate-hike-for-caja-plan/]their existing members only[/url]
Note: there has been [i]another[/i] increase since these rates were posted.ARCR offered ‘set rates’ while CAJA has set rates only for [i]Inversionista[/i] and [i]Rentista[/i] their Pensionado are reached by a percentage of the documented pension you used for your Residency application, from 7-18.5% and that seems to be determined which office you apply at.
To get current information it is advisable to go to a CCSS(CAJA) office, although they may not provide an answer unless you are going to join, right then and there.
[quote=”costaricafinca”][url=http://issuu.com/el_residente/docs/residente_2014-05/1?e=3794147/7730209]ARCR is no longer accepting new members[/url], (Pg.4, bottom right side, last paragraph) so the premiums they posted regarding increases are for [url=http://www.usexpatcostarica.com/arcr-rate-hike-for-caja-plan/]their existing members only[/url]
Note: there has been [i]another[/i] increase since these rates were posted.ARCR offered ‘set rates’ while CAJA has set rates only for [i]Inversionista[/i] and [i]Rentista[/i] their Pensionado are reached by a percentage of the documented pension you used for your Residency application, from 7-18.5% and that seems to be determined which office you apply at.
To get current information it is advisable to go to a CCSS(CAJA) office, although they may not provide an answer unless you are going to join, right then and there.[/quote]
The ARCR rates might give you a good idea what you might be in for. I knew they got hit for some crazy increases. And it doesn’t seem there is much they have been able to do about it. Several friends are very disturbed by the latest increases.
Going through the time and expense of a residency application without knowing what your CAJA cost will be is rather unreasonable. I guess one could say “If you have to ask… you can’t afford it”…. is that what the government of CR is implying?
As to the rates set by CCSS during your application and rate determination. It’s pretty sad that your rates can vary by 100% depending on who you are assigned to. But then again… I guess you could put on some shabby clothing… not shave or bathe for a day or two… and take your chances at another office if you don’t like the answer you get at the first.
The subjective nature of the rate is unacceptable for a government that claims to be on the up and up. No wonder there are so many people and businesses doing their best to stay under the radar.
BTW. I hope ARCR is still accepting new members…. just not participants in it’s health insurance plan. That they ended a while ago after the first increases and changes in the group rate they had enjoyed.
It is just new members wanting to affiliate with CAJA that is now restricted.
You can only apply at the CCSS office in your [u]immediate [/u]neighborhood and their EBAIS medical facility or hospital in this same area is the one you are required to use, [i]unless[/i] it is a ‘true emergency’ that happened elsewhere.
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