Receiving Disability Benefits When Moving Abroad: Clarifying the Rules and Requirements

When it comes to receiving disability benefits, moving to another country can be a complex issue. Understanding the rules and requirements for continuing disability benefits is crucial for anyone planning such a move. This article will explore the conditions under which disability benefits can or cannot be received, provide guidance on how to prepare for such a move, and highlight important factors to consider.

Can You Receive Disability Benefits While Living Abroad?

Yes, US citizens receiving Social Security disability benefits can generally continue to receive them when living in nearly any country outside the US. However, there are some exceptions and requirements to be aware of. The Social Security Administration (SSA) maintains a Living Abroad Screening Tool to provide detailed information about specific eligibility rules for different countries. It's essential to check this tool for the most accurate and up-to-date information.

Other Providers of Disability Benefits

For disability benefits beyond Social Security, it's important to consult with the specific provider. Here are some key considerations:

Private Insurance: Decode the conditions for continuing benefits when moving abroad, as terms may vary significantly between policies. Workman's Comp: Understand the specific rules for continuing benefits if you've received workers' compensation. Government Benefits: Explore the eligibility criteria for disability benefits provided by different levels of government.

Restrictions for Moving Abroad

There are several scenarios where you may not be eligible to continue receiving disability benefits if you move to another country:

No Citizenship: Once you cease to be a US citizen, you typically cease to be eligible for benefits originally intended for US citizens.

SSDI (Social Security Disability Insurance)

For those receiving SSDI (Social Security Disability Insurance), it's generally acceptable to continue receiving payments while living abroad. There are only a few "barred" countries, such as Cuba and Iran, where SSDI benefits are not allowed. However, certain exclusions may apply, such as an adult child drawing SSDI benefits under a parent's work credits.

Note: Payments can be made through direct deposit, but not to every country. Check the SSA website for a list of countries that accept direct deposit.

SSI (Supplemental Security Income)

For SSI (Supplemental Security Income), the rules are more straightforward. Since SSI is intended primarily for low-income individuals, recipients are not eligible to receive benefits if they are living outside the US. However, there are some exceptions, such as a child of a parent stationed overseas or in certain student programs.

Important Considerations for Moving Abroad with Disability Benefits

Several factors need to be considered before moving abroad and potentially losing access to disability benefits:

Contact SSA in Advance

It's recommended to contact the SSA before making any decisions about relocating. They can provide detailed guidance on what steps you need to take and help you understand any potential hurdles.

Open a Local Bank Account

To receive direct deposit, open a local bank account. Paper checks sent to a foreign address may be problematic due to processing delays or non-delivery.

Tax Implications

Both the country you move to and the US may require you to file taxes on your disability benefit income. Be prepared to handle tax responsibilities in both jurisdictions.

Medical Reviews

While living abroad, you may still be subject to random continuing disability medical reviews. It's essential to maintain up-to-date medical records and respond to any inquiries from the SSA.

Keep in Touch with SSA

The SSA may request updates on your status and medical condition periodically. Pay attention to any mail and stay in touch to avoid any disruptions in your benefits.

Conclusion

Moving abroad while receiving disability benefits can be a challenging process, but it's not impossible. By understanding the applicable rules, consulting with the SSA, and taking necessary steps, you can continue to receive your benefits while enjoying a change of scenery.

Keywords: disability benefits, social security, moving abroad