Getting Social Security benefits if you are living outside the U.S. | USAGov (2024)

Most U.S. citizens can get Social Security benefits while visiting or living outside the U.S. Find out if you qualify, how to apply, and who to contact to get help.

Learn if you can collect Social Security benefits while living outside the U.S.

If you earned Social Security benefits, you can visit or live in most foreign countries and still receive payments. Look up the country on the SSA Payments Abroad Screening Tool to be sure you can receive your payments.

Use work credits from another country to qualify for Social Security

If you worked outside the U.S., you may not have enough Social Security credits to qualify for Social Security retirement or disability benefits. But you may be able to count your work credits from another country.

See if the country you have worked in has a retirement benefit agreement with the United States.

Apply for and manage your Social Security benefits from outside the U.S.

If you live outside the U.S., you can apply for Social Security benefits online.

SSA pays Social Security benefits electronically through direct deposit. You can set up direct deposit through a financial institution in the U.S. or any country which has an international direct deposit agreement with the U.S. Get a list of countries and territories that allow direct deposit payments.

Once you begin receiving Social Security benefits abroad, SSA will send you a questionnaire every 1 to 2 years. This questionnaire will determine if you are still eligible for benefits. If you do not respond, SSA may stop your benefit payments. Learn more about these questionnaires on page 21 of SSA’s publication Your Payments While You Are Outside the United States.

Get help with your Social Security benefits while you are outside the U.S.

For help with your application or benefits you are currently receiving, contact the Social Security Administration’s Office of Earnings International Operations (OEIO).

LAST UPDATED: January 8, 2024

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Getting Social Security benefits if you are living outside the U.S. | USAGov (2024)

FAQs

Getting Social Security benefits if you are living outside the U.S. | USAGov? ›

Can you live outside the US and collect Social Security? In general yes. If your country has an agreement with the US, you can collect indefinetly. And no you do not have to be a US citizen.

Can a U.S. citizen collect Social Security while living abroad? ›

If you earned Social Security benefits, you can visit or live in most foreign countries and still receive payments. Look up the country on the SSA Payments Abroad Screening Tool to be sure you can receive your payments.

How long can you live outside the U.S. without losing Social Security? ›

Luckily, there is no time limit on how long you can live outside the U.S. and still receive monthly Social Security payments. As long as proof of life documents are signed and returned annually, you'll still get paid.

How does Social Security know if I leave the country? ›

USCIS extracts information from USCIS Forms I-131 (Application for Travel Document) and I-157 (Notice of Removal) and sends it to SSA. The system compares the information with account numbers on the supplemental security record (SSR) and, if there are any matches, sends an alert to the FO for development.

How does foreign income affect Social Security benefits? ›

If you already have enough credits under the U.S. Social Security system to qualify for a benefit, we will not count your credits in the other country. If we need to count your foreign work credits, you will receive a partial U.S. benefit based on how long you worked under U.S. Social Security.

Does dual citizenship affect Social Security benefits? ›

The United States generally considers a person with dual U.S. and foreign citizenship a U.S. citizen for Social Security purposes. This does not apply if you are a U.S. citizen and a citizen of a country the United States has an international social security agreement with.

Can a US permanent resident collect Social Security? ›

As of 2023, permanent residents or green card holders need $1,640 in earnings to get one credit. Green card holders need 40 credits (equivalent to ten years of work) to be eligible for social security benefits.

How long can you live outside the U.S. without losing residency? ›

The immigration law states that if a Legal Permanent Resident is outside of the U.S. for 180 days in a row (but less than 1 year), without permission from the U.S. government, then it will be presumed that the person has lost or abandoned their residency, and therefore can no longer apply for U.S. Citizenship / ...

Can a U.S. citizen live outside U.S. for more than 6 months? ›

A US citizen can stay outside the US for as long as they want (with or without a US passport).

How long can I stay abroad without losing Medicare benefits? ›

The lifetime maximum benefit is $50,000. These policies will not pay benefits if you live or travel outside the United States for longer than 60 days. If you have retiree coverage, check with your benefits administrator to find out if you have coverage outside the United States.

How do I get the $16728 Social Security bonus? ›

Have you heard about the Social Security $16,728 yearly bonus? There's really no “bonus” that retirees can collect. The Social Security Administration (SSA) uses a specific formula based on your lifetime earnings to determine your benefit amount.

Can I access my Social Security account from overseas? ›

How will I access my personal my Social Security account if I am overseas? Views: You can access your account by registering your email address or your cell phone number if it has a standard 10-digit format. We will send you a security code to sign in to your my Social Security account.

What is the 30 day rule for Social Security? ›

If the beneficiary does not return to the U.S. for 30 consecutive days before the end of the 6-month period, payments are suspended, and may only be resumed effective with the first full month throughout which the individual is in the U.S.

How long can you live outside the U.S. and still collect Social Security? ›

If you leave the U.S., we will stop your benefits the month after the sixth calendar month in a row that you are outside the country. You can make visits to the United States for specific periods of time, depending on how long you've been outside, to continue receiving your benefits.

Do I have to pay Social Security tax if I live abroad? ›

Wages paid to U.S. citizens and residents employed outside the United States are generally subject to Social Security and Medicare tax if the employer is an American employer.

At what age is Social Security no longer taxed? ›

Yes, Social Security is taxed federally after the age of 70. If you get a Social Security check, it will always be part of your taxable income, regardless of your age. There is some variation at the state level, though, so make sure to check the laws for the state where you live.

How long can you stay out of the country as a US citizen? ›

A naturalized citizen can live for as long as they wish in another country, with almost no risk to their U.S. citizenship status.

Can a US citizen retire in another country? ›

There are pros and cons to retiring overseas. Some countries offer Americans a lower cost of living and a change of pace, but culture shock and distance from support networks can be challenging. Financial considerations to keep in mind include residency requirements, how you'll pay for healthcare and buying vs.

Do U.S. citizens need to pay taxes when living abroad? ›

If you are a U.S. citizen or resident living or traveling outside the United States, you generally are required to file income tax returns, estate tax returns, and gift tax returns and pay estimated tax in the same way as those residing in the United States.

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