Don’t Lose Your Social Security: Are you thinking about moving abroad but worried you might lose your Social Security benefits? You’re not alone. Whether you’re retiring to a sunny beach, relocating for a new job, or joining family overseas, understanding how your Social Security benefits work across international borders is absolutely essential.
Let’s walk through everything you need to know so you don’t leave your benefits behind. From government rules to real-world examples, this guide simplifies the process and gives you practical steps to keep your payments flowing smoothly.
According to the Social Security Administration (SSA), over 700,000 Americans receive their Social Security payments while living in foreign countries. That number continues to grow each year, reflecting the rising trend of global mobility and international retirement. So yes, it’s absolutely possible to collect benefits abroad—you just need to follow a few key steps to ensure you continue to get paid.
Don’t Lose Your Social Security
| Feature | Details |
|---|---|
| Eligibility Abroad | Most U.S. citizens can receive benefits overseas in 150+ countries |
| Key Requirement | Notify the SSA and update your address before moving |
| Restricted Countries | Benefits cannot be sent to North Korea and Cuba (with few exceptions) |
| Taxes on Benefits | U.S. taxes may still apply; foreign taxes vary |
| How to Receive Payments | Direct deposit via U.S. or qualified foreign banks |
| Official Resource | SSA Payments Abroad Tool |
Moving abroad doesn’t mean leaving your Social Security behind. With proper planning and attention to detail, you can ensure your benefits continue uninterrupted. Start by notifying the SSA, verifying your destination country’s eligibility, and setting up a secure payment method.
Also, be proactive about tax obligations and healthcare coverage. Whether you’re chasing tropical sunsets or family reunions, these steps will help you build a stable, enjoyable life abroad—without sacrificing the income you earned.
Why It Matters: Social Security Is Your Lifeline
For many retirees, Social Security isn’t just a monthly check—it’s the foundation of their financial plan. In 2023, the average monthly Social Security retirement benefit was about $1,827 (source). That’s over $21,000 per year. For some people, it’s their sole source of income.
Losing access to those benefits due to paperwork errors, address issues, or international restrictions can create serious financial stress. Whether you’re relocating for a peaceful retirement or an exciting job opportunity, protecting your income is a must.
Let’s break it down into simple, actionable steps.
Step 1: Notify the SSA Before You Move
One of the most crucial steps you can take before relocating is to inform the Social Security Administration about your move. The SSA needs accurate and up-to-date information about your residence so they can continue to process your benefits.
You can update your address and residency status by:
- Calling the SSA at 1-800-772-1213 (TTY 1-800-325-0778)
- Visiting your local SSA office in the U.S.
- Contacting the nearest U.S. Embassy or Consulate if you’re already abroad (Find locations here)
Example: Jane, a 66-year-old retiree from Florida, moved to Portugal to enjoy her golden years in the sun. She contacted the U.S. Embassy in Lisbon before her move, updated her address, and provided all the necessary documents. Her Social Security checks continued without any issues.
Why this matters: Failing to notify the SSA can lead to delays, benefit suspensions, or even cancellations. Keep your records current to ensure uninterrupted payments.
Also, make sure the SSA has your correct banking details, especially if you plan to open a new account in your destination country.
Step 2: Check If You Can Receive Benefits in Your New Country
Not all countries allow the direct deposit of U.S. Social Security benefits. The SSA maintains a list of countries where benefits can and cannot be paid. If you’re moving abroad, you should check this list to see whether your benefits will be affected.
Use the official Payments Abroad Screening Tool to check the current status of your destination.
Countries with Restrictions
Some places have full restrictions or limited access:
- North Korea and Cuba: Payments generally prohibited
- Ukraine, Belarus, Iran, and other sanctioned countries: Additional regulations apply
If you move to a restricted country, your payments may be withheld and stored until you relocate to a permitted location.
Countries Where You Can Receive Benefits
Thankfully, more than 150 countries are eligible. These include:
- Europe: France, Germany, Portugal, Spain, Italy
- Asia: Japan, South Korea, the Philippines, Thailand
- Latin America: Mexico, Costa Rica, Panama, Colombia
Pro Tip: If you hold dual citizenship or are not a U.S. citizen, additional rules may apply. Check your eligibility carefully on the SSA international page.
Step 3: Set Up International Direct Deposit or Use a U.S. Bank
Setting up direct deposit is the safest and most efficient way to receive your Social Security payments abroad. You have two main options:
Option A: Use a U.S. Bank Account
This is the most straightforward option:
- Keeps your payments in U.S. dollars
- Reliable and fast
- Can be accessed globally via online banking or international ATMs
If you already bank in the U.S., you might not need to make any changes. Just ensure your U.S. bank allows international logins and low foreign transaction fees.
Option B: Enroll in International Direct Deposit (IDD)
IDD is available in 80+ countries that have agreements with the SSA (full list here).
- Deposits made in local currency
- No need to exchange funds manually
- More convenient for those living abroad long-term
Example: David, a retired teacher living in Japan, opted for IDD. His benefits are deposited directly in yen to his Japanese bank account. Meanwhile, Lisa in Mexico uses her U.S. bank and accesses funds via ATM withdrawals.
Important: Choose a bank that is familiar with U.S. Social Security procedures and has minimal international transaction fees.
Tax Implications: Yes, You Might Still Owe Uncle Sam
Just because you’re living in another country doesn’t mean you’re exempt from U.S. tax laws.
- U.S. citizens and resident aliens must report their global income, including Social Security, to the IRS.
- Use IRS Form SSA-1099 to report benefits received.
- Some countries have tax treaties with the U.S. to avoid double taxation.
Countries With Tax Treaties
- Canada
- United Kingdom
- Germany
- Australia
A full list of treaties is available at the IRS website.
Filing Requirements
You may also need to file:
- FBAR (Foreign Bank Account Report) if you hold over $10,000 abroad
- FATCA Form 8938 for foreign assets
Pro Tip: Work with a tax professional who understands expat taxation. Mistakes can lead to fines, missed refunds, or delayed processing.
Additional Tips for Retirees and Expats
Here are a few more considerations to keep in mind as you plan your move:
- Health Insurance: Medicare doesn’t cover healthcare outside the U.S. Consider purchasing international health insurance or joining your new country’s national system if eligible.
- Documentation: Keep physical and digital copies of passports, SSA correspondence, tax forms, and medical records.
- Currency Exchange: Monitor currency exchange rates. Some retirees use currency exchange services or multi-currency bank accounts to reduce costs.
- mySocialSecurity Account: Set up your personal account online at ssa.gov/myaccount to access benefit statements and make updates.
- Emergency Contacts: Know how to contact the local U.S. Embassy or consulate. They can help with Social Security, passports, and emergencies.
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FAQs About Don’t Lose Your Social Security
Can I receive Social Security in any country?
No. Payments are limited or prohibited in some countries like Cuba or North Korea. Use the SSA’s screening tool to check.
Do I lose my benefits if I become a citizen of another country?
Not always. Many dual citizens still qualify. It depends on your work history and the country in question.
What happens if I move without telling the SSA?
Your payments could be delayed or stopped until they confirm your address and status.
Do Social Security benefits adjust for cost of living abroad?
No. The Cost-of-Living Adjustment (COLA) is based on U.S. inflation only.
Can non-citizens receive Social Security abroad?
Yes, depending on your work history, visa/residency status, and bilateral agreements.
Is it better to use a U.S. bank or a foreign bank?
Each has pros and cons. U.S. banks are simpler, but foreign banks may offer local convenience. IDD works well for long-term residents.
