More people are leaving the U.S. than moving into it, with a record negative net migration in 2025 for the first time in 90 years.
Retirees planning to live outside the U.S. often wonder if they'll still receive their Social Security benefits.
Most Americans can continue receiving Social Security benefits abroad, but there are a few countries where payments are not allowed.
These countries include Cuba, North Korea, Azerbaijan, Belarus, Kazakhstan, Kyrgyzstan, Moldova, Tajikistan, Turkmenistan, Ukraine, and Uzbekistan.
A screening tool can help determine which locations receive Social Security benefits.
Foreign work history can also help Americans qualify for Social Security retirement benefits.
The U.S. has signed Social Security agreements with several countries, allowing certain workers to combine work records from different countries when determining eligibility.
Americans do not need to be physically present in the U.S. to apply for Social Security benefits, and applications can be submitted online.
Beneficiaries can choose to have payments deposited into a bank account in the U.S. or in the country where they live.
Understanding the rules before relocating can help retirees avoid unexpected issues with benefit payments.
