Can I collect Social Security and live in Mexico? All you need to know

Retiring or relocating to Mexico is an increasingly popular option among U.S. citizens looking for a warmer climate, a slower pace of life, and a more affordable daily lifestyle. One of the most common questions that comes up during this planning process is simple but essential: Can I collect Social Security and live in Mexico? The good news is that, in most cases, the answer is yes. Below, we explain how it works, what requirements apply, and what you should keep in mind before making the move.

First, can I collect Social Security and live in Mexico? ✅

Yes. U.S. citizens who qualify for Social Security retirement, disability, or survivor benefits can generally continue receiving their payments while living in Mexico.

The Social Security Administration allows eligible beneficiaries to receive payments outside the United States, and Mexico is a country where payments are permitted without special restrictions. Once you have been outside the U.S. for more than 30 consecutive days, you are officially considered to be living abroad for Social Security purposes, but your benefits do not stop because of that.

Payments can be sent to a U.S. bank account or, in some cases, directly deposited into a Mexican bank, helping you avoid unnecessary currency exchange fees. Many retirees in Mexico rely on this system as their primary source of monthly income.

It’s important to note that this applies to Social Security benefits, not Supplemental Security Income (SSI). SSI mostly stops if you are outside the United States for more than 30 days.

Requirements for collecting Social Security while living in Mexico 📄

To receive Social Security benefits while living in Mexico, you must meet the same basic eligibility rules as if you were living in the U.S.

You must qualify for Social Security benefits based on your work history or eligibility category.
You must be a U.S. citizen or an eligible non-citizen under Social Security rules.
You must notify the Social Security Administration of your move abroad and keep your contact information up to date.
You must respond to any requests from the SSA, such as proof-of-life forms or verification questionnaires.

The United States and Mexico have a bilateral Social Security agreement that helps coordinate benefits for people who have worked in both countries. This agreement ensures equal treatment and portability of benefits, meaning you do not lose your U.S. Social Security simply because you reside in Mexico.

Taxes on Social Security benefits are generally the same as if you lived in the U.S. Depending on your total income, a portion of your benefits may still be taxable by the United States. In addition, some individuals may need to review whether any local tax obligations apply in Mexico, depending on their residency status and income structure.

What you need to know about collecting Social Security living in Mexico 🌴

There are several practical considerations to keep in mind once you decide to live in Mexico while collecting Social Security.

Medicare does not cover you in Mexico. Even though Medicare premiums may still be deducted from your Social Security check, medical services outside the U.S. are not covered. Many retirees choose private healthcare in Mexico or purchase international health insurance instead.

Immigration status matters. Receiving Social Security does not automatically give you the right to live in Mexico. You will need to apply for temporary or permanent residency through Mexican immigration authorities.

Communication with the SSA is essential. You may be required to complete periodic forms or confirm your status. Failing to respond can result in temporary suspension of payments.

Direct deposit simplifies life. Having your benefits deposited electronically helps avoid delays, lost checks, and conversion issues.

Mexico is home to large expat and retiree communities, and U.S. embassies and consulates in Mexico are familiar with assisting Social Security beneficiaries when needed.

Thinking about living in Mexico? Jaguar Tulum Real Estate can help 🐆🌊

If you’re planning to live in Mexico while collecting Social Security, understanding your housing options is just as important as understanding your benefits. At Jaguar Tulum Real Estate, we help international clients navigate the Riviera Maya with clear, honest guidance—whether you’re looking to rent, relocate, or simply explore your options.

If you have questions about living in Mexico, residency, or the local real estate market, our team is here to help.

Your first consultation is completely free. Contact Jaguar Tulum Real Estate and take the next step toward your life in Mexico with confidence.