Will Traveling/Living in Another Country Affect Your SSDI Status?

Wanderlust doesn't have to end when you start receiving SSDI benefits. Many recipients are surprised to learn that you can live or travel abroad and still receive SSDI payments, depending on where you go and how long you stay.

Let's break down the key rules:

1. SSDI Is Payable Abroad — But Not Everywhere
   SSDI recipients can generally continue receiving payments while outside the U.S. as long as they are citizens of the U.S. or certain allied countries. However, SSA does not send payments to residents of some restricted countries, such as North Korea, Cuba, or certain sanctioned nations.
2. You Must Notify the SSA
   Before relocating or traveling for an extended period, you must inform the SSA. Failure to report your travel can result in a disruption of benefits or penalties. Also, your foreign address may affect how you receive correspondence from the SSA.
3. Medicare Does Not Travel with You
   While SSDI payments can go overseas, Medicare coverage generally does not extend beyond U.S. borders. If you're relying on SSDI-linked Medicare, consider how you'll access healthcare abroad.
4. Residency vs. Travel
   Short vacations or temporary stays abroad typically don't affect SSDI. However, if you establish residency in another country, you may trigger different requirements, including taxation and local reporting.
5. Taxation of International Benefits
   Some countries may tax your SSDI benefits, especially if you're a dual citizen. You might also have to report foreign income or bank accounts under U.S. law.

For more details and one-on-one guidance regarding your SSDI benefits and travel or relocation plans, contact the Law Office of Irene Ruzin. Our disability attorneys can help you stay compliant and financially protected while abroad.