Will my benefit be reduced based on my foreign pension?

Published: August 22, 2023

Full question: I worked in Sweden 21 years before coming to America. I have full credits to qualify for each independently. My Swedish earning were not used to calculate my benefit amount for SS, only my US earnings. But my benefit has been reduced based on my Swedish pension. Is this correct?

Hi there,

We would need more details to understand why your benefit has been reduced.

Although the US has a totalization agreement with Sweden, there are quite a few details that may apply to your situation depending on your birth year and the old and new pension system.

See “Monthly Benefits” in this description of the Sweden and US Totalization Agreement.

Please reach back out to us if you have further questions or if you are interested in a Social Security analysis.

Take care,

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