Posted: Fri Jan 15, 2021 10:40pm
As a retired Police Officer you will continue to pay income tax in the UK. The following pensions remain taxable in the UK ... military, civil service, police, local authority, some NHS (paid by local authority).
In due course your UK State Pension will be taxable in Spain.
Here is a link to the non-lucrative visa (the visa for retired Brits) in Spanish and English.
http://www.exteriores.gob.es/Consulados/LONDRES/en/Consulado/Pages/Visas.aspx?fbclid=IwAR0xMqhqHmEKBIff9XqYT9E6SLp-1cfG5WQqDfxajoVj2zCNqoLX8WqmZt0
http://www.exteriores.gob.es/Consulados/LONDRES/en/Consulado/Documents/RES%20ES-EN.pdf
A couple needs to demonstrate an income of 33k Euros/year.
If you gain a non-lucrative visa, you will need to re-submit after a year, then again 2 years later, and then you can request permanent Residency. This process is new for Brits (since 1/1/21), so we have limited experience of it. There is speculation that, if new applicants cannot demonstrate the specified income levels, there may be an option to demonstrate equivalent levels in one's bank account at each re-submission stage (i.e. enough money to get to the next review stage); but we don't know that yet.
You will need private healthcare. For a couple of around 60 years of age, without pre-existing conditions, this will cost around 2000 Euros/year. After a year, you can pay into the Spanish NHS. The price is similar, but there is no discrimination against pre-existing conditions.
If you want to work in Spain, a different visa is needed (refer to the first link above).