Can a US citizen receive SSI while living abroad?
Living abroad can be an exciting and rewarding experience for many Americans. However, it also raises questions about the availability of social security benefits, particularly Supplemental Security Income (SSI). SSI is a federal program designed to provide financial assistance to individuals with limited income and resources who are aged, blind, or disabled. But can a US citizen receive SSI while living abroad? Let’s explore this question in detail.
Understanding SSI and its eligibility criteria
Before we delve into the possibility of receiving SSI while living abroad, it’s essential to understand the program’s eligibility criteria. SSI is meant for individuals who have limited income and resources and meet one of the following conditions:
1. Age: The individual must be 65 years or older.
2. Blindness: The individual must be legally blind.
3. Disability: The individual must have a medical condition that is expected to last at least one year or result in death.
To qualify for SSI, an individual’s income and resources must be below certain thresholds set by the Social Security Administration (SSA). Income includes wages, Social Security benefits, and any other money received, while resources include cash, bank accounts, real estate, and personal property.
SSI eligibility for Americans living abroad
When it comes to SSI for Americans living abroad, the situation is a bit complex. According to the SSA, US citizens who reside outside the United States are eligible for SSI if they meet the following conditions:
1. The individual is a US citizen or national.
2. The individual has lived in the United States for at least 5 years out of the last 10 years before leaving the country.
3. The individual has a medical condition that meets the SSA’s definition of disability, blindness, or age.
Receiving SSI while living abroad
If an individual meets the above criteria, they can apply for SSI while living abroad. However, there are some important considerations to keep in mind:
1. Monthly benefits: SSI recipients living abroad receive their benefits in the local currency, based on the exchange rate at the time of payment.
2. Application process: To apply for SSI while living abroad, the individual must submit the required forms and documentation to the nearest US embassy or consulate or through the SSA’s website.
3. Verification of income and resources: The SSA will verify the individual’s income and resources, both in the United States and abroad, to ensure they meet the program’s eligibility criteria.
Conclusion
In conclusion, a US citizen can receive SSI while living abroad, provided they meet the specific eligibility criteria and have lived in the United States for at least 5 years out of the last 10. However, it’s essential to understand the complexities of the program and the application process, as well as the potential impact of living abroad on receiving these benefits. For those considering a move abroad, consulting with a social security expert or attorney can help ensure a smooth transition and continued access to SSI benefits.
