Retiring Abroad: Frequently Asked Questions for Americans
Questions everyone asks
Straight answers to the questions that come up before anyone gets as far as choosing a country.
Can I keep my Social Security if I retire abroad?
In almost every country, yes, if you are a U.S. citizen. The Social Security Administration can send payments to most of the world, with a short list of exceptions. Non-citizens face much tighter rules. Use the SSA Payments Abroad Screening Tool for the authoritative answer for your situation, and expect to respond to periodic verification questionnaires.
Will Medicare cover me overseas?
Generally no. Original Medicare does not pay for care outside the United States except in a few narrow situations. Most retirees keep premium-free Part A, make a deliberate decision about whether Part B is worth the premium given how often they will return to the U.S. for care, and buy international health insurance or join the local public system.
Do I still have to file U.S. taxes?
Yes. The United States taxes citizens on worldwide income no matter where they live. You get an automatic extension to June 15, and the Foreign Tax Credit usually prevents actual double taxation. Note that the Foreign Earned Income Exclusion applies only to earned income, so it does not help with pension, Social Security or investment income. FBAR is a separate filing with its own low threshold.
How much money do I actually need?
It depends far more on the country than on your lifestyle. A couple can live comfortably on roughly 1,800 to 2,500 dollars a month in Ecuador, Colombia or inland Mexico, 2,500 to 3,500 in Portugal or Greece outside the capital, and 4,000 or more in France, Uruguay or a major European capital. Separately, the visa itself sets a minimum income you must prove, and that number is often higher than the amount you would actually spend.
Which documents will I need apostilled?
Almost universally: your FBI Identity History Summary, your birth certificate, your marriage certificate if a spouse is included, and your proof-of-income letter. Depending on the country you may add a medical certificate, a sworn affidavit or a power of attorney for a local lawyer. The FBI check is a federal document and must be authenticated by the U.S. Department of State, not by a Secretary of State.
How far ahead should I start?
Twelve months is comfortable, six months is tight, three months is a scramble. The binding constraints are consular appointment availability, the document validity windows, and pet import timelines if you have animals. Documents typically must be recent, so the sequence is: book the appointment, then work backwards.
Can I just live somewhere on tourist entries?
It is much harder than it used to be and in Europe it is now effectively impossible. The Schengen Entry/Exit System records every entry and exit biometrically and enforces the 90-days-in-any-180 limit automatically. Elsewhere, repeated border runs increasingly result in refused entry. Beyond the legal risk, you cannot open a bank account, access healthcare, sign a real lease or import belongings without residence.
Does buying property get me residence?
Usually not. Only a small number of programs tie residence to a property purchase, and several of the best known have been closed or sharply narrowed since 2023, including Spain, which ended its investor residence route in April 2025. Verify the current status of any investment program directly with that government before you make a purchase decision around it.
What happens if my application is refused?
Most refusals are for fixable paperwork problems: a document outside its validity window, a missing apostille, a translation done before the apostille, insurance that does not meet the stated minimum, or filing at the wrong consulate. Almost every country has an appeal or re-application route, and re-application with a corrected file is usually faster than an appeal.
Should I keep a U.S. address?
Yes, keep an address you control for financial and government mail. Understand that a mailbox alone does not end your state tax domicile. If you are leaving a state that pursues departing residents, take the domicile question seriously and get advice before you go, not after.
Authoritative sources
Where anything here disagrees with one of these, the official source is right. Tell us and we will correct it.
- SSA: Your Payments While You Are Outside the United States
- SSA: Payments Abroad Screening Tool
- SSA: Totalization agreements
- Medicare: coverage outside the United States
- IRS: U.S. citizens and resident aliens abroad
- IRS: Foreign Earned Income Exclusion
- IRS: Foreign Tax Credit
- FinCEN: Report of Foreign Bank and Financial Accounts
- IRS: United States income tax treaties A to Z
- Federal Voting Assistance Program
- Smart Traveler Enrollment Program (STEP)
- U.S. embassies and consulates directory
- European Commission: Entry/Exit System
- European Commission: ETIAS official site
- HCCH: Apostille Convention status table Which countries accept an apostille, and from what date.
- U.S. Department of State: Records and Authentications Federal document authentication, including the Office of Authentications.
- U.S. Department of State: country information Entry, exit, safety and local law, country by country.
Verified Sep 7, 2026 Primary sources: travel.state.gov, www.hcch.net
This resource is provided free by Federal Apostille as an educational tool. It is not legal, tax, immigration or financial advice, and no attorney-client relationship is created by using it. Immigration rules, income thresholds, fees and processing times change frequently and often without notice, and consulates apply them differently. Always confirm current requirements with the official government source and the specific consulate that has jurisdiction over your U.S. state of residence before you act. Every figure on this site carries the date we last verified it and a link to the primary source.