U S Social Security Benefits While Living in Canada What You Should Know
- Olivier Tessier
- Dec 5
- 2 min read
If you are a U S citizen, Green Card holder, or even a Canadian resident who worked in the United States, you may be eligible for U S Social Security benefits. The good news is that you can usually receive payments while living in Canada — but there are important tax and reporting implications to consider.
Who Is Eligible for U S Social Security?
You may qualify for benefits if you:
Worked in the United States and earned enough Social Security credits
Are married to or widowed by someone who earned benefits
Are a dependent or child of someone eligible for benefits
You do not need to be a U S resident to collect. Even dual citizens or Canadian permanent residents may qualify under certain conditions.
Can You Receive Benefits in Canada?
Yes. The United States and Canada have a Social Security Agreement that helps people who have worked in both countries qualify for benefits and avoid dual contributions.
You can usually receive monthly payments in Canadian dollars directly into your Canadian bank account. The amount depends on your earnings history and retirement age.
Is Social Security Taxable in Canada?
Yes. U S Social Security benefits are taxable in Canada, but under the tax treaty between the two countries, only 85 percent of the benefits are taxable in most cases.
You may also be eligible for foreign tax credits on your Canadian tax return if you pay any U S tax on the same income.
Do You Need to File U S Tax Returns?
If you are a U S citizen living in Canada, you must still report your worldwide income, including Social Security, on your U S tax return. However, many people do not owe tax due to the foreign earned income exclusion or foreign tax credits.
Final Thoughts
Receiving U S Social Security in Canada is possible and common, but comes with important tax obligations. Proper reporting in both countries can help you avoid penalties and double taxation.
At Nordfiscus, we help individuals navigate U S and Canadian retirement benefits and tax coordination. Contact us today for advice tailored to your situation.
