@Philip ******
“They also will give me a one-year retirement visa after the 90 days.”
This is exactly where the confusions begins.
Thai Immigration will not give you a one-year retirement visa, but they will
EXTEND your STAY PERMIT for one year.
Immigration in their wrong English call the stay permit “visa”, which is technically spoken, wrong.
They don’t draw a difference between a “visa” and a “stay permit”. For them, it’s all the same.
That’s why you are confused, because these are TWO different things:
*** ONE: a multi entry 365-days Non-Imm-O visa based on retirement
. . . . . this is a “real visa” which gets issued by embassies and consulates outside of Thailand
(and most have stopped issuing them since last year)
*** TWO: a “1-year Extension of Stay Permit based on retirement”
A stay permit, for which you bought a “multi re-entry permit” for 3800.- THB
This is just a 1-year extended stay permit, for which you bought a re-entry permit, this is not a “ multi entry retirement visa”