I think it topicstarter does not want to have a dependant visa, but wants to use the bank account he shares with his mother to apply for himsef a DTV. I think some embassies might accept that, but then want double the money on the account.
Anonieme deelnemer 375 When you are retired, why not choose for a retirement visa?
Since you tell you already bounced 3 times to me it looks like you live in Thailand, so the inflexibility of having to extend a retirement visa each year in country should not be a problem for you.
Anonieme deelnemer 334 When you get a broken leg or other serious accident the insurance is better, when you not get an accident the insurance money is wasted.
When you do not stay too long travel insurance might be the best, but a lot of people here seem to use DTV as a kind of residence visa.