I have a foreign pension and I have 36 US work credits. Am I eligible for Social Security?

Full question: If I have 36 points in US Social Security, and have a pension from European countries that have totalization agreement with US, will I avoid the WEP if I DON’T fulfill the 10 year rule/40 points minimum, or will I be not eligible for US pension at all? Hi there, If you do…

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Will my benefit be reduced based on my foreign pension?

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…

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We are dual US-UK citizens. What benefits are we eligible for under the totalization agreement?

Full question: My husband and I are dual US-UK citizens living in the UK since 1996. We are unable to forecast my husband’s retirement benefit, as the SSA online tools only provide for citizens who have earned a minimum of 40 credits and need to calculate WEP. In my husband’s case, he did not earn…

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Will my foreign pension lower my American Social Security benefits? What about my spousal benefits?

Full question: If my spousal SS benefit is higher than SS benefit based on own contribution (> 40 credit) would a foreign pension of a country with a totalization agreement lower US social security benefits? Hi, That is a great question. Generally speaking, foreign pensions do not affect Social Security spousal and survivor dependent benefits….

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