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Answered7 months ago

How can expats in Thailand manage visa extensions and 90-day reporting when facing health issues like dementia?

Paul ******************
asked Apr 9, 2026
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In our last years.

Some people suffer from impaired mental faculties with various forms of dementia towards the end of their lives. At that stage of life there may be other health difficulties to deal with as well. Travel may become difficult or even impossible.

How would those people manage the processes of visa extensions and 90 day reporting?

What happens to them after many years in Thailand and perhaps having nothing and no one to fall back on in their home country?
Answer summary
The concerns regarding expats in Thailand facing health issues, particularly dementia, are significant as they pose challenges in managing visa extensions and 90-day reporting. With aging, many expats may struggle with mental faculties, making communication and travel to immigration offices increasingly difficult. This discussion highlights the necessity of having trusted individuals with power of attorney to handle immigration matters, as well as the potential for expats to rely on services or care facilities that can assist with these processes. Furthermore, the conversation emphasizes the need for early planning, formalizing decision-makers, and ensuring financial structures, such as sufficient bank balances for visa compliance. Finally, it reflects on the lack of support from Thai authorities for foreign nationals in need, prompting expats to consider contingency plans for later in life.
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Kevin **********
Kevin **********
Here something new and interesting for Americans. Guam honors US Medicare as it is a US possession. Alzheimer's patients are often sent to senior care facilities in the Philippines again paid for by their Medicare for obvious financial reasons. Again something new.
James ***********
James ***********
@Kevin *********
is this right? My understanding is that Medicare doesn’t cover overseas medical care other than temporary, limited emergency care. Medicare ought to work in Guam but I’d be surprised if it worked in the Philippines.
Kevin **********
Kevin **********
James H. Bluck It fully covers Guam, Saipan and I think all of Trust Territory. But Medicare worked out a deal with the Philpines. I grew up in Guam and had a friend that was sent there with Alzheimer's, who was there for several years supported by Medicare until John passed. I talked to several of our mutual friends that said it is becoming common to send to PI for long term care.
Kevin **********
Kevin **********
James H. Bluck Those are the same questions I asked. What In was told they are paid directly from Medicare. I do some more digging a and let you know if I find anything different.
James ***********
James ***********
@Kevin *********
I can’t find anything on that other than this proposed legislation. Are the providers in the Philippines actually receiving payments from Medicare or does the payment go through providers in Guam who subcontract (perhaps illegally) to providers in the Philippines?

****************************
Lynn *****
Lynn *****
And to build a solid friendship system rather than filling life in with fakes and flakes from family or friends. It’s most upsetting and gross when you’re dealing with flakes
Lynn *****
Lynn *****
Paul Singlehurst-Wardflaky ….
Paul ******************
Paul ******************
OP
Lynn Nah what are flakes? Short for snowflakes?
Eileen ***********
Eileen ***********
i’m going to a $800 month bangkok alzheimer’s unit. 8 k in usd. a month.
Jonathan *************
Jonathan *************
Eileen Stelladog you contradict yourself re cost.
Sylvia ********
Sylvia ********
Agents do 90 day for many friends who cannot or don't want to queue. They also can do extension visa, plus have carehomes, hospital and good neighbours/adopted family
Alexander *************
Alexander *************
Even more concerns would actually be to get a new passport. If you can’t travel to the embassy and have to appear in person - that’s an issue!
Paul ******************
Paul ******************
OP
Alexander DThornerian I don't know about the UK embassy in Bangkok but my wife has to attend the Thai Embassy in London in person to apply for a new passport when the old one expires.
Jonathan *************
Jonathan *************
Alexander DThornerian agents can do for UK one certainly
Alexander *************
Alexander *************
Jonathan Pressburger ? Applying for a new passport you must attend personally. I had a friend who was immobilized and had to rent an ambulance for attend at the embassy
Alexander *************
Alexander *************
James Brashear wow! That definitely doesn’t work with EU passports
James **********
James **********
Alexander DThornerian I just mailed my U.S. passport to the BKK embassy with the required paperwork and received a new one about 4 weeks later.
Joe **********
Joe **********
For long-term retirees in Thailand holding visas such as Non-O, O-A or O-X, the system assumes you remain mentally capable and financially self-sufficient, which becomes a serious vulnerability if conditions like dementia set in. In practice, once a retiree can no longer manage 90-day reporting or annual extensions, everything depends on whether a trusted person is already in place—someone with power of attorney who can handle immigration filings, maintain the required bank balance, and communicate with the Thai Immigration Bureau on their behalf; without that, even a well-established retiree can quickly fall into overstay status. Unlike some Western systems, there is no automatic safety net or state intervention for foreigners, so if capacity is lost and no one steps in, hospitals, local authorities, or even embassies may eventually get involved, but usually only reactively and with limited scope—often leading to repatriation if funds or next of kin can be found. The safest approach, therefore, is to plan early while still healthy: formally assign decision-makers, keep finances clearly structured for visa compliance, maintain valid health insurance, and ensure someone can act immediately if cognition declines, because once that tipping point is reached, the system becomes administrative rather than compassionate, and options narrow very quickly.
Peter **********
Peter **********
I feel sure my Wife and her family would look after me if I became iincapacitated

Dealing with Immigration also

90 day can be done on line
John **********
John **********
Yes, but switching means 800K in a Thai bank which is your guaranteed health Insurance and with no interest. Its alot of money locked up doing nothing!!
James ******
James ******
might not be popular, but if you can't handle it and don't have a caretaker that can't handle it. You need to go back to your old country because they will take care of you. The Tai government has no obligation to take care of a non-citizen. When I can no longer take care of myself I will not go back to America I will do myself in
Tez ******
Tez ******
Generally they die alone and miserable.
Garry *******
Garry *******
Tez Sans i don't think I've even known anyone to die happy !!! 😆
Tez ******
Tez ******
Garry Roach Me too.

But different levels of miserable. I believe if your not setup with a good family you need heaps of money for end of life care.
Garry *******
Garry *******
Tez Sans spot on mate !!! Definitely different levels of miserability
Gregg *******
Gregg *******
For me, this post highlights the importance of learning thai language and being able to communicate.
Sylvia ********
Sylvia ********
Gregg Davis or live in an expat community with good reliable neighbours, my village has 140 houses, we all help each other
Gregg *******
Gregg *******
Sylvia Corley I much prefer to immerse myself in their culture and lifestyle, otherwise it would feel like I'm cheap Charlie and only here for cheap living. I am the only Farang in our village.
Paul ******************
Paul ******************
OP
Gregg Davis it has taken me a few years to get to where I am but learning Thai Script from the start doesn't take too long and really helps. Consonant classes and tone rules then help with getting the tones right.

Keep at it, it's well worth it as you you pointed out 🙂
Gregg *******
Gregg *******
Paul Singlehurst-Ward well done, sir. I commend and envy you. I still have difficulty understanding at times and cannot read or write Thai.
Paul ******************
Paul ******************
OP
Gregg Davis I can read and write basic Thai. I can hold conversations but I think my level is just lower intermediate. I can't follow the news on TV but I get the gist of it.

It's great for me up in Khon Kaen being able to chat with all sorts of people including the police when they pull me over for speeding 😊 Like most Thai people in Isaan the police are relieved when they realise we can talk in Thai🙂
Gregg *******
Gregg *******
Paul Singlehurst-Ward ok, I respect your view. It can be frustrating not being able to communicate with people and being amongst people that speak your language has it's benefits. I also believe that not at least attempting to learn the language of the country you migrated to, is disrespectful to that country and it's people.
Paul ******************
Paul ******************
OP
Gregg Davis I agree with you about the benefits of learning the language but living in an Expat community has no correlation to being a cheap Charlie.
Cris ******
Cris ******
My wife and I are actually building an assisted living home for expats. Proper care places should take care of all of this for you. It can get into power of attorney and medical power of attorney, or if the immigration office is lenient sometimes a care person from the facility can handle things. But a lot dont... thats why sometimes you will see someone who is incredibly aged at immigration.

This is one thing that a lot of people do not look into when looking at care facilities here, or just researching later in life care if they are going to permanently stay here.
Eileen ***********
Eileen ***********
Cris Murl where?
Cris ******
Cris ******
Eileen Stelladog one hour north of Korat City in the country side.
Alan *********
Alan *********
Live in a care home. It's all done for you. I worked in a school for five years and never did 90 day reporting myself. Our passports were collected by a Thai member of staff and taken immigration.
Mark ********
Mark ********
This isn’t an advert for them, but as Alan Balding said, places like
@Retire ********************************************
handle all your visa matters on your behalf.
Gregory *********
Gregory *********
We need to form a welfare organisation for such situations and look after each other. I am helping a friend at present with the start of these issues.
Paul ********
Paul ********
If, when I get to that point in life and if I was still able I would get back to the UK, I've paid for the NHS for 50 yes working in a factory they can look after me,
Paul ******************
Paul ******************
OP
Paul Ferrol that's fair enough but I think a common scenario is people putting off moving back home until it's too late and they become stuck, unable to travel for health or financial reasons. That said, many do get themselves home before they end up in that situation. I think it's something to be aware of and have contingency plans in mind.
John ********
John ********
My dad qualified for local authority care and I had to remove him. It’s that bad.

You do not want to be in one of those places.
Anna ****
Anna ****
One thing I found out. With a OA retirement visa, health insurance is mandatory. But most insurance companies drop you at a certain age, usually at 70. So you need to switch in time to an O retirement visa without a health insurance requirement. Furthermore, there are plenty of care homes that are affordable. I think you should arrange this and a good visa agent as soon as you feel the first signs that things are not going well.
John **********
John **********
@Anna ***
most insurance companies continue to insure long beyond 70 but many won't take you on as a new customer past that age
Brandon ************
Brandon ************
@Anna ***
I believe you can use letters from the approved insurance companies that say they refuse to cover you to bypass the requirement
Anna ****
Anna ****
@Brandon ***********
didn't know that
Michelle *********
Michelle *********
This is something I think about as well
Michael ********
Michael ********
Its a worry saw one post recently where guy seems to have been abandoned by wife here and family back home. I guess authorities will contact embassy.

We are actually going to look into this after songkran see what living wills are possible in Thailand.

Do have one friend with severe dementia and his wife cares for him and also deals with the immigration.
Matt ********
Matt ********
I worry about this too.

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