Social Security Benefits for non citizens
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- เผยแพร่เมื่อ 18 ก.ย. 2024
- Social Security Benefits rules and countries listed for non-US citizens can be found here : www.ssa.gov/in... (and PDF page 7 within). Besides a note of caution that local SSA office representatives may not have complete information on the benefits to non-citizens. Also note that the SSA.gov specifies everywhere on their site that the information is subject to change so please do your own research at the time of viewing this video. :) My intension in this video is to make you aware of this benefit so you can avail it if you qualify to receive it. But if there is any incorrect information do reference it for the benefit of all. Best!
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Maximum Social security benefit is at age 70. it will not grow after that. The age 67 milestone means that there is no penalty if you are still working and getting Social Security. Also if your spouse is deceased, you can collect Social Security at age 60 on his/her benefit.
40 count is not 10 years but 10 calendar year, even if you earn 5k amount in a year it is count as 4 credits. I had 40 count in less months because I worked in multiple break in USA
@MandarKasture, Thank you for this video. this cleared my doubts. Keep up the good work.
Glad it helped
Thanks Mandhar for confirming the SSN eligibility for Non Citizens.This is the question i had for longtime though I heard abt the eligibility from friends and co workers but I wasn’t sure. This video made it clear .
As per my understanding non US citizens when they go back to India may not get SSN benefits since USA govt has not yet signed "totalisation" agreement with India.
For US to give Social security the country in which we are living(rather we hold citizenship) should have a similar program. Since India don't have such program, Indians don't get Social security benefits. As far as i remember India have been trying to negotiate on this saying provident fund is same as social security but US never accepted that. If we are going to live in EU , Canada, Australia etc yes by becoming their citizen we can get social security benefits if we work atleast 10 years in US.
Thanks Mandar, I asked for this video in the last post😊
Mandar. I necessary do not agree with you that non citizens are eligible for SS benefits unless the rules changed. I was also under the impression for the last decade that if I didn’t receive my GC and return back to India I would be eligible for SS benefits when I turn 65. However when I did receive my GC and went to SSN office, I was told that I am now legally eligible for SSN. Upon further investigation on SSN I found it was true. Also there is no treaty between India and USA where SSN benefits can be provided for non citizens. The same case is true for Canadians and Mexicans too. 😊
Please read my pinned comment. The clerks at the local SSA office may not have complete information on benefits to non citizens.
I can confirm your information is incorrect.
Great to know about SSN benefits for non citizens
1st comment. All the best :)
Thanks for the video. This is a relief considering the amount I’ve already paid into this system😅 But, I’d suggest avoiding the explanation of terms like “Non citizen” and what social security actually is as people watching this video would know that already😅
Thanks for good information. I’ve been looking for this quick some time . Keep post good videos like this .
Same here.
I was also looking for this info.
Hi Mandar, My understanding was india does not have a totalization agreement with US and one cannot avail the SSN benefits if you are an Indian Citizen and live outside USA even though you gain the 40 credits can you please clarify
Indian citizens qualify. But the benefit is capped to the total amount you have contributed.
Still good, at least you will get your money back. I know it will almost be worthless by the time we get back.
@@vishaltare952 Is my understanding correct that whatever capital growth happened to that amount is not given, but the capital (total amount we paid) can be claimed?
Hey Mandar nice video as usual.. Got to know so many things. Specially how to check your social security balance
Great content as always !!
Great information Mandar , many thanks 🙏
Great content..very helpful..thanks
Thank you !
Thanks Mandar!! 👍
Hi @Mandar, here is one cavite, for Non Resident to avail social security benifits, one need to be in Usa for one Calender Month in every 6 months. At the age of 62, to come and stay in Usa for one Celender month every 6 months, may not make it worth.
Great content thanks
From your video, you are indicating that 401K gets taxed. However, the video does not cover the scenario as to when 401K gets taxed. For 401K, taxes have to be paid at the time of withdrawal, not when the fund is in the invested state, plus penalties come into play and age gets factored in as well. I understand you start with a disclaimer that you cannot cover all details, but I felt this was a case of over-simplification. Regardless, great presentation, keep the good work.
Agree 401k warrants a separate video and I will do that
Video starts at 3:23 thank me later.
Thanks for sharing information on very important topic.
Could you also make videos about financial decisions to consider before returning to India about 401K, Roth, keeping money in USA, what to do if own a house, etc
Good morning very useful information
These benefits require several (regular) visits to offices. Sadly not everything is online. And you need US address for communication.
So outside US ? It will just laps for many
Can use a friends and have a bank account can take from there using credit card
Indian citizens qualify. But the benefit is capped to the total amount you have contributed. So it’s not a lifelong payment. Please take that into consideration.
It's better to get something if you got citizenship then there is no cap
Thanks for this important information brother. I request you, please make a video or series on topics like who just reached the USA and how he or she gets his or her first basic and important things like medical care, driving test, first car, car insurance, bank account, credit card or debit card, home, part or full-time job.
Just a thought - the thumbnail says "SSN benefits", it should be Social Security benefit".
Thanks for noting. I will change it
Hello Mandar you are doing a great job 👍
Please make video on how to avoid tax on global income if we give up green card. I mean for how many years we can stay in USA after getting gc. I heard that if we give up gc after 8or10years of getting it. Still we need to pay tax here on global income. Please make a video on this
I am an international student and under 18 should I be able to get SSN?? If yes, please provide me with a brief process 😊
We checked with the SSN office and the benefits can only be availed if you have a green card
H1B holders are not eligible even if they have 40 credits
Is it true ? Many of us doesn’t have green card yet but have to move to india
Bs......
No, it is not correct. I know a person who is non citizen from India and collecting benefits at 63.
@@sumerrana1111is he collecting money in india bank account?? How the convertion rate process happening??
Once, I had 40 points, I called SSN office and they told me if I am Non-Citizen then can not get SSN benefit.
Yes correct, when I called the SSN office the agent said I will not get until I become legal resident.
Please read my pinned comment. We should get to the bottom of this.
Can you make a video on how to combine social security credits from other countries with US social security. For eg, some one worked in UK for 5 years and coming to US, how can he/ she combine the UK work to social security credits in the US
Mandar-can you pass on the SSN amount to beneficiary in case you pass away ? what is the proxy for that ?
Can you still create an online account many years after you have left the USA ?
If someone is having social security no and green card and is 66 years old but never did any work in us how he can get benefits from social security pls explain thanks
Buy d@ingredients
is is application to indian citizen who were in h1b and 40 points . but moved back to india ? can you pls calrify
Nice
I’ve not competed 40 quarters or 10 years of my employment in US. I employed in US only about 9 yrs. But I see I’ve gained 40 points in ssn website. The 40 points progress bars all green in the official ssn website.
How come is it possible? I wonder.
If you started in November and if you earned more than the some number like 40k (i am not sure about this number) in that year it will be counted as 4 quarters.
Mr. Mandar... If a person gets green card after working 6 or 7 years will it be counted for Social security Benefit after Retirement?
How long will we get the SSN benefits? is it available after the death too. will our spouse get the benefits?
Hi, my uncle just got to the USA and he is 70 years old his son sponsored his and he got green cards can he get retirement or not?
Hello, I have a question if anyone can answer. I am Brazilian born, ive been in the US since I was 8 yo. Today I am 28. I have exactly 28 points for my Social. I am not a US Citizen or a Greencard holder. Maybe moving to Brazil in a few years.... can I transfer my 28 points to Brazil and retire there? Or do I have to start from scratch again?
What about the case if a person dies after continued stay in USA for 10 years and he is eligible to get SSN benefits ?
Awesome explaination sir...i have a question for you...after 11 years staying in USA also if dont got greencard..if i move back to india & my visa will also expire..still i eligible to get my ssn benefits after my 67 years?
YES
For 401k, if you are moving back to India, transfer to IRA. No need to pay taxes on capital gain.
How to receive that amount? Is benefit application accept india bank account to get money? If it need usa bank account, how i can open us bank account after long gap and no home address?
Benefits for wife and children if spouse worked for 3.1 yrs and passes away what SSN benefits we get
Anyone here know the person receiving ss cheques after 62 while living in India?
Hi Mandar, I think I differ on this point. Non US citizens holding Indian passport are "eligible" for SS benefits if they have earned 40 credits but they cannot claim SS benefits after 62/67 without a LPR number. This is because India does not have a totalization agreement with US. Please validate and confirm.
It's SS not SSN. SSN means your SS Number. It's a common mistake. Where does this come from??
@@thomast3570 Changed SSN benefits to SS benefits. However the meaning remains the same.
I have one of my friends who left America 23 years ago He has social security numbers and he wants to go back to America what should he do now He hasn't been a green card
Plz must be reply
What if you worked 11 years but part time, do you still qualify ?
what happens to social security after u leave USA after 6yrs?
Hello Mr. Mandar,
I'm a green card holder.
If I work for less than 40 quarters, do I get any social security benefits?
Everyone has to have the 40 quarters to get retirement. US citizen, green card holder, or those that are employment authorized.
I lost certificate citizen can I get benefits SSA lm working in us 21 years now l 65 old thanks
I am currently on SSDI. I moved to the Philippines 3 years ago and recently marry a Filifina woman.
Can i claim benefits to my non-u.s citizen wife and to our 2months old child as my depends? My wife never been employed. She and our our 2months old child are depending to me.
I am 65 but was a housewife am I eligible as a dependent of my husband never worked
My husband is receiving ssn benefits
Is your husband a Indian citizen and receiving SSN in India? Please clarify
We are here in California on green card.he worked for 20 years in usa
He will collect couples SS benefits
1 question ahe Mandar. Can an individual qualify for Social Security benefits earlier like at age 45 or 50 or so? If yes what are the clauses of that?
No as far as I understand. Earliest at 62 but if you are working the benefits are diminished with income adjustment.
@@MandarKasture thanks Mandar
Hello Mandar, I was on H1B visa and worked for 6 years in US. Currently am in India. Am I eligible for social security benefits?
no. you have to work minmum 10 years to get SS benifits after 62.
Thank, could you please provide a rough calculation that covers most of H1B returning back to India,
Like what if they have worked 10-15 years, Average 75_100 K per annum.
If they apply for Social security benifits at age 62, 65 ,67,70, whats the monthly return?
You may not be able to cover the whole scenario but please through some realistic numbers of income, work years , retainment age, so that people would get a rough figure.
Also situation like, H4 who were on the Joint Filing but didn't worked,
Or worked partially, not 10 years ..etc
You can always go to your online account and it'll show up all the math and calculations.
However I'm yet to make eligibility.
Could you please share some estimates,
Avg 100K,10 years of service and returned to India, and retairing at 67 , or 65
@@adityagandhi8704 Im yet to reach 40 Points.
The online account shows everything
@@MrGelesh i am telling based on my numbers, if you work 8 years with avarage 90k annual income, if you retire at age 62 it will be around $1700 per month, if you retired at age 67 it will be around $3500...
Thanks for the insights,H1B visa is only for 6 years how will someone accrue 40 points I know it is not your fault but it is someone’s fault
Good question. Most of the time, the candidate looks to get his perm processing started and get an i-140 approved. This way one can renew the H1b for 3 years* at a time until his or her priority dates become current and thus accruing 9+ years of employment. Hope it helps.
*This can be less sometimes and might vary from application to application.
After 3+3 years, the H1B visa is to be renewed every year till your priority date gets current and you can file I485 for AoS.
@@mailsuresh9 One thing I have learned living in the US for 7 years is that if you build a system for corner cases usual case will be taken care of by itself.Quiet a few of professionals return before completing 6 years and their social security deduction goes unaccounted for in absence of a totalitarian agreement between the US and India.
@@sudhirburde3444 Many professionals don't go the route of I-140 and I-485 what happens to their social security deductions
The SSA rules are clear. 10 years equivalent to 40 credits or you lose the benefits. If you are a citizen of a country having a totalization agreement with the US then your service in that country will be added to the service in the US and payments of the benefits will continue as long as you are eligible.
Hi Mandar. Thanks for Info . As you said i created my account in SSA and checked. I see that i already have 40 credits but i havent completed 10 years. I came to USA in Sep 2013 and its not 10 years yet. But the account says i already have 40 credits. How is this possible?
Praveen, you just need 9 years + on tenth year small portion of income. 10th year only till qualified income, generally you get in one quarter.
Bro, in a calendar year if you have one quarter payroll then you considered full year and you will get 4 points(in your case for 2013), so you completed 10th year by 2022 only. That’s the reason you got 40 points so far.
I wish everyone gets rid of stupid intros
Social Security Benefits rules and countries listed for non-US citizens can be found here : www.ssa.gov/international/countrylist4.htm (and PDF page 7 within). Besides a note of caution that local SSA office representatives may not have complete information on the benefits to non-citizens. Also note that the SSA.gov specifies everywhere on their site that the information is subject to change so please do your own research at the time of viewing this video. :) My intension in this video is to make you aware of this benefit so you can avail it if you qualify to receive it. But if there is any incorrect information do reference it for the benefit of all. Best!
Could you pls explain process how and where we will go n claim the SSN benefit when we are in india with 40 credit points.
Practically Indian citizens don't get SSN benefit even if you have 40 point, due to India is not part of the SSN beneficial country list.. except you have GC and you are going India frequently. But that's also not a good option to carry as GC can be revoked if you are not spending much time in USA in a year
Wrong. Please go through these links. India is part of those countries- "Your payments will continue even if you have been outside the U.S. for more than six full calendar months, if you are a citizen of one of the countries listed below, and the worker on whose record your benefits are based lived in the U.S. for at least 10 years or earned at least 40 credits under the U.S. Social Security system."
www.ssa.gov/international/countrylist4.htm
www.ssa.gov/pubs/EN-05-10137.pdf
Please .....What is the website address to check SSN benefits eligibility