Retirement & Benefits Guide · United StatesRetirement & Benefits Guide in United States
Retirement visas, pensions, and healthcare for retirees
Retirement Visa Program
No dedicated retirement or passive income visa for foreigners. Legal residents can access benefits after meeting work authorization and residency requirements; expats typically use other visas like EB-5 investor or family-based green cards.
Pension System
Primarily pay-as-you-go Social Security system based on 35 years of indexed earnings, with defined contribution plans like 401(k)s common. Average monthly benefit around $2,000 for retired workers in 2025; trust fund projected to cover 79% of benefits post-2033 without reforms.
Pension Adequacy
Replacement rates vary widely; Social Security provides 40-50% for average earners, supplemented by employer plans or personal savings. Many low-income workers lack access to plans, increasing reliance on public benefits.
Healthcare Access
Medicare available at age 65 for citizens/residents, covering hospital and basic medical with premiums and deductibles. No universal coverage for those under 65; private insurance or marketplace plans required, with high costs for expats.
Cost of Living
Retiree Community
Senior Benefits
Tax Benefits for Retirees
Standard tax rates apply to foreign pensions and retirement income. Social Security benefits taxable for U.S. residents based on total income; no special exemptions for retirees or expats.
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