Can You Receive Social Security While Living in Mexico?

One of the most common questions we hear from clients planning a move to Mexico is whether they can continue receiving Social Security benefits. The good news is: many expats living in the Riviera Maya successfully receive their Social Security while residing here. In most cases, benefits can be deposited directly into a U.S. or Mexican bank account, allowing retirees and long-term residents to maintain financial stability abroad.

In this article, we’ve outlined the general guidelines, important considerations, and official resources to help you understand how Social Security works when living in Mexico. Because every situation is different, we strongly recommend verifying your individual circumstances with the appropriate authorities before making your move.

Below, you’ll find a practical summary and direct links to help you get started.

There is a difference with medical care that you should know about. Your medical benefits do not transfer to Mexico. You should make sure to have medical insurance while you are here, UNTIL you are a permanent resident of Mexico. Once you a residente permanente of Mexico, then you can use the health care system here for nomimal cost.

U.S. citizens can legally receive Social Security retirement, survivor, or disability benefits while living in Mexico, with payments direct-deposited into U.S. or Mexican bank accounts. Due to a totalization agreement, payments continue without disruption, though you must notify the Social Security Administration (SSA) of your address change. Medicare is generally not accepted in Mexico, requiring alternative health insurance.

Key Information for SSA Benefits in Mexico

• Direct Deposit: Payments can be deposited directly into a U.S. bank or a Mexican bank account (in pesos).
• Reporting Changes: You must notify the SSA or the Federal Benefits Unit (FBU) in Mexico City if you move, work, or change your bank account.
• Managing Account: You can use your “my Social Security” account from Mexico by creating an ID.me credential.
• Taxation: U.S. taxes may still apply to your benefits; consult a tax professional.

Healthcare Options in Mexico

• Medicare: Not accepted in Mexico.
• IMSS: Foreigners with legal residency (temporary or permanent) can voluntarily register for the Mexican Institute of Social Security (IMSS) for health coverage, which includes consultations, surgeries, and medication.
• Private Insurance: Many expats purchase private Mexican health insurance or pay out-of-pocket for private medical care, which is generally more affordable than in the U.S.
• U.S. Embassy & Consulates in Mexico FBU: The best source for assistance with Social Security issues in Mexico.
• Social Security Administration International Programs: Detailed, up-to-date information on payments abroad.