Social Security & Benefits
Collecting SS abroad, Medicare, and other US benefits while overseas.
Millions of Americans collect Social Security benefits while living abroad. To qualify, you generally need 40 work credits (about 10 years of work). Benefits can be deposited into US or foreign bank accounts in countries with international direct deposit agreements. Important 2025 update: Paper checks will stop after September 30, 2025 per Executive Order 14247—direct deposit is now required. The US has totalization agreements with 30 countries that prevent double taxation of Social Security and allow combining work credits between systems. Medicare, unfortunately, provides no coverage abroad and cannot use foreign work credits for eligibility. You'll need private international health insurance. Up to 85% of Social Security benefits may be taxable depending on your total income, and many foreign governments also tax US Social Security.
Key Points
- 1Paper Social Security checks end September 30, 2025—direct deposit required
- 2US has totalization agreements with 30 countries preventing double SS taxation
- 3Totalization allows combining US and foreign work credits for benefit eligibility
- 4Self-employed abroad usually contribute to host country system under most agreements
- 5Overseas assignments under 5 years typically stay in US Social Security system
- 6Medicare does NOT cover expenses abroad and cannot use foreign credits for eligibility
- 7Up to 85% of Social Security benefits may be taxable depending on total income
Featured Guides
Collecting Social Security While Living Abroad
Social Security benefits can be received in most countries. Requirements, restrictions, and practical considerations for expat retirees.
Totalization Agreements: Avoiding Double Social Security Tax
Totalization agreements prevent double taxation and help qualify for benefits by combining work credits between countries.