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

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.

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.

Which countries do not tax U.S. Social Security benefits? ›

U.S. citizens residing abroad.
  • Canada.
  • Egypt.
  • Germany.
  • Ireland.
  • Israel.
  • Italy (You must also be a citizen of Italy for the exemption to apply.)
  • Romania.
  • United Kingdom.

How long can a U.S. citizen stay outside of us? ›

US citizens can live outside the country for as long as they wish — even for the rest of their lives — without a problem. A US citizen cannot be prevented from re-entering the US. You can stay out of the USA for as long as you'd like. You can renew passport as needed at the local US embassy or consulate.

What countries have a Social Security agreement with the US? ›

Agreement Descriptions
  • Australia. Austria. Belgium. Brazil. Canada. Chile.
  • Czech Republic. Denmark. Finland. France. Germany. Greece.
  • Hungary. Iceland. Ireland. Italy. Japan. Luxembourg.
  • Netherlands. Norway. Poland. Portugal. Slovak Republic. Slovenia.
  • South Korea. Spain. Sweden. Switzerland. United Kingdom. Uruguay.

What happens if I stay more than 6 months outside US? ›

As a general rule, permanent residents should avoid any trips abroad of 6 months or longer. If you travel for over 6 months (but less than a year) at one time, USCIS will automatically presume that you've broken your continuous residence requirement for the purposes of naturalization.

How long can a U.S. citizen live abroad without losing citizenship? ›

A common concern is the duration of time a U.S. citizen can spend abroad without jeopardizing their citizenship status. While there is no set limit, extended periods of absence, especially when combined with other factors, can trigger inquiries from U.S. authorities.

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

Absences of more than 365 consecutive days

You must apply for a re-entry permit (Form I-131) before you leave the United States, or your permanent residence status will be considered abandoned. A re-entry permit enables you to be abroad for up to two years. Apply for a re-entry permit.

What is the 5 year rule for Social Security? ›

The Social Security five-year rule is the time period in which you can file for an expedited reinstatement after your Social Security disability benefits have been terminated completely due to work.

Can a non-U.S. citizen receive Social Security benefits? ›

Lawfully present noncitizens of the United States who meet all eligibility requirements can qualify for Social Security benefits. This rule also applies to noncitizens authorized to work in the United States who got a Social Security number after December 2003. For more information visit our Immigration page.

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.

At what age is Social Security no longer taxed? ›

Social Security income can be taxable no matter how old you are. It all depends on whether your total combined income exceeds a certain level set for your filing status. You may have heard that Social Security income is not taxed after age 70; this is false.

What is the best country to retire to from the US on Social Security? ›

Chile is one of the cheapest and safest countries to retire to. It is also one of the countries where you can retire on just social security in 2024, based on its cost of living which is estimated to be around $1,780. Potential retirees can choose their retirement visa to spend a year and get it renewed to stay longer.

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? ›

First and foremost, it's important to understand that green card holders are generally eligible for Social Security benefits if they have worked and paid Social Security taxes in the U.S. for at least ten years, or if they are the spouse or dependent of someone who has.

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