Will Moving to Mexico Affect My Social Security Benefits?

Great news! If you’re a U.S. citizen, you can still receive your Social Security payments while living in Mexico. You can even have the payments deposited directly into a Mexican bank account.

U.S. Citizens
Here’s an interesting statistic from the U.S. Social Security Administration: In the month of April alone, 58,710 payments were sent to beneficiaries in Mexico.
If you do have your payments sent to a Mexican bank account, you may be required to submit an annual report to the U.S. Government.

Non-U.S. Citizens
When it comes to non-U.S. citizens, the answer is not as simple. Whether or not the person will be eligible to receive payments while living in Mexico will depend on several factors.

You can read more about this in the Social Security Administration’s educational guide Your Payments While You Are Outside the U.S.

Maintaining Your Benefits
It’s very important to keep an accurate mailing address on file with the Social Security Administration. Periodically, they will send you a questionnaire to determine that you are still eligible to receive benefits. If you don’t respond, the payments will stop.
Some recipients will be required to complete a questionnaire every year between May and June. The annual requirement applies to recipients who reside outside the country and:
▪ Are age 90 or over;
▪ Have a representative payee; or
▪ Are not receiving benefits as a spouse, widow(er), parent, mother or father, or disabled widow(er)
I know the wording of that last line is a little confusing, but don’t blame me. These were taken directly from the written guidelines provided by the Social Security Administration.

Benefits Offices in Mexico
The U.S. government has federal benefits offices in Mexico to assist you including:

Federal Benefits Unit
United States Consulate General
Progreso 175
44100 Guadalajara, Jalisco
Phone: 01-800-772-6394 (within Mexico only)
FBU.Guadalajara@ssa.gov

Federal Benefits Unit
United States Embassy
Paseo de la Reforma 305
06500 Mexico D. F.
Phone: 01-800-772-6394 (within Mexico only) or 052-55-1102-6300
FBU.Mexico.City@ssa.gov

Mexico is a great retirement destination for Americans looking for a way to make their money go further without sacrificing their quality of life. I know several expats who live very well in Mexico on just their monthly Social Security payments.