美国绿卡 中国养老也可以拿社安金

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Haixiantang
楼主 (北美华人网)
这个视频讲的对吗?



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https://www.youtube.com/embed/BXHB8K8UwZ0?si=ih8ogbG4t_XtYMnJ
H
Haixiantang

系统提示:若遇到视频无法播放请点击下方链接
https://www.youtube.com/embed/RJM7cUlaTDs?si=_4kqb46bRVYzU_uP
o
oqo
回复 1楼 Haixiantang 的帖子
可以
月亮的雨
所以很多人是拿中美两头退休金的
l
laohua001
Haixiantang 发表于 2024-06-16 12:38
这个视频讲的对吗?



系统提示:若遇到视频无法播放请点击下方链接
https://www.youtube.com/embed/BXHB8K8UwZ0?si=ih8ogbG4t_XtYMnJ

绿卡离开美国6个月就没SSI了,无论你交了多少SSN tax
她说的是exemption,就是要是照顾美国公民的配偶。
月亮的雨
laohua001 发表于 2024-06-16 12:57
绿卡离开美国6个月就没SSI了,无论你交了多少SSN tax
她说的是exemption,就是要是照顾美国公民的配偶。

不是的,她的说法是即便取消绿卡在中国养老还可以拿70%的美国退休金
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laohua001
不是的,她的说法是即便取消绿卡在中国养老还可以拿70%的美国退休金
月亮的雨 发表于 2024-06-16 12:58

no。 我这有个绿卡回国的,早就问的明明白白。
只有,6个月。
exemption 就是 美国公民的配偶,前妻or 前夫也算。
好像,加拿大和美国有协议,加拿大人可以领SSN,而且不用绿卡。

h
hellohey
本来就可以拿,美国绿卡回中国养老也可以拿社安金SSA,以前交过社安税为啥不能拿?又不是SSI福利金。工作过的人拿的不是ssi. 社安金SSA和SSI不一样的。拿ssi的回国不能拿。
美国绿卡只要你交过中国社保费用,也可以领中国社保金。以前15年买断那个机会最好,本版很早以前都说过这一政策的,很多人错过没买,现在没这个15年一次性买断了。以前在国内上过班,退休的,退休金也可以领的。 早几年这个版上也有人提过二手房不能贷款的,只有新房可以贷款的,二手房那时候价格就降,很多人最近才开始卖房子,早几年二手房价格就不行了。现在新生人口下降,以后二手房估计变化更多。
Unlike Social Security benefits, SSI benefits are not based on your prior work or a family member''''''''''''''''''''''''''''''''s prior work. SSI is financed by general funds of the U.S. Treasury--personal income taxes, corporate taxes, and other taxes.
Understanding Supplemental Security Income (SSI) Overview Can I receive my SSI in another country? Supplemental Security Income
If you receive SSI, you will not continue to receive benefits while you are abroad. If you are outside of the US for more than 30 days your SSI benefit will stop. SSI benefits will restart once you return to the US and remain in the country for more than 30 days.
Understanding Social Security Benefits and Living Outside the ... 拿社安金在中国也可以的,具体怎么申在这里有链接。 https://www.usa.gov/social-security-abroad#:~:text=If%20you%20earned%20Social%20Security,countries%20and%20still%20receive%20payments. If you live outside the U.S., you can apply for Social Security benefits online. SSA pays Social Security benefits electronically through direct deposit. You can set up direct deposit through a financial institution in the U.S. or any country which has an international direct deposit agreement with the U.S. Get a list of countries and territories that allow direct deposit payments.看了这里也包含中国 Once you begin receiving Social Security benefits abroad, SSA will send you a questionnaire every 1 to 2 years. This questionnaire will determine if you are still eligible for benefits. If you do not respond, SSA may stop your benefit payments. Learn more about these questionnaires on page 21 of SSA’s publication Your Payments While You Are Outside the United States.
o
oqo
no。 我这有个绿卡回国的,早就问的明明白白。
只有,6个月。
exemption 就是 美国公民的配偶,前妻or 前夫也算。
好像,加拿大和美国有协议,加拿大人可以领SSN,而且不用绿卡。


laohua001 发表于 2024-06-16 12:59

Your Payments While You Are Outside the United States
https://www.ssa.gov/pubs/EN-05-10137.pdf
If you are a citizen of one of the countries listed in the chart below, we will continue to pay your benefits outside the the U.S. if: a) You are receiving benefits based on your own earnings, and you earned at least 40 credits under the U.S. Social Security system or lived at least 10 years in the the U.S.
国家列表里有中国
l
laohua001
oqo 发表于 2024-06-16 13:10
If you are a citizen of one of the countries listed in the chart below, we will continue to pay your benefits outside the the U.S. if: a) You are receiving benefits based on your own earnings, and you earned at least 40 credits under the U.S. Social Security system or lived at least 10 years in the the U.S. 国家列表里有中国

https://www.ssa.gov/international/payments.html?tl=0
1. Can I receive Social Security benefits if I am not a U.S. citizen and I live outside the United States? Generally, we cannot pay Retirement, Survivors, and Disability Insurance benefits to noncitizens after their sixth calendar month outside the United States. However, you might qualify for an exception, which could allow you to receive benefits without visiting the United States. If an exception does not apply, you must be physically and lawfully present in the United States for a full calendar month to begin receiving benefits. If you leave the U.S., we will stop your benefits the month after the sixth calendar month in a row that you are outside the country. You can make visits to the United States for specific periods of time, depending on how long you’ve been outside, to continue receiving your benefits. Here’s how it works: We will not start counting the calendar months of absence until you have been outside the United States for 30 days in a row. If you return to the United States for any part of one day before 30 days have passed since you left, we stop counting days absent. For example, if you left the U.S. on January 15, we stop counting your absence if you return for any part of one day before the end of the day on February 14. Once you have been outside the U.S. for 30 days in a row, you will continue to receive benefits if you stay in the U.S. for 30 days in a row before the end of the sixth calendar month after the date you left. For example, if you left on January 15, and did not return before the end of the day on February 14, you must complete a 30-day stay in the United States before the end of July to continue receiving payments. This means you must return to the United States on or before the first day of July. If you do not return on or before July 1, your benefits will stop beginning August. If we stopped your benefits, you must return and remain lawfully present for the entire calendar month to start receiving benefits again. A full calendar month visit means you are physically present for every hour of every day of any month of the year. For example, to considered present in the U.S. for the full calendar month of August, you must arrive in the United States no later than July 31 and leave no sooner than September 1.
o
oqo
https://www.ssa.gov/international/payments.html?tl=0
1. Can I receive Social Security benefits if I am not a U.S. citizen and I live outside the United States? Generally, we cannot pay Retirement, Survivors, and Disability Insurance benefits to noncitizens after their sixth calendar month outside the United States. However, you might qualify for an exception, which could allow you to receive benefits without visiting the United States. If an exception does not apply, you must be physically and lawfully present in the United States for a full calendar month to begin receiving benefits. If you leave the U.S., we will stop your benefits the month after the sixth calendar month in a row that you are outside the country. You can make visits to the United States for specific periods of time, depending on how long you’ve been outside, to continue receiving your benefits. Here’s how it works: We will not start counting the calendar months of absence until you have been outside the United States for 30 days in a row. If you return to the United States for any part of one day before 30 days have passed since you left, we stop counting days absent. For example, if you left the U.S. on January 15, we stop counting your absence if you return for any part of one day before the end of the day on February 14. Once you have been outside the U.S. for 30 days in a row, you will continue to receive benefits if you stay in the U.S. for 30 days in a row before the end of the sixth calendar month after the date you left. For example, if you left on January 15, and did not return before the end of the day on February 14, you must complete a 30-day stay in the United States before the end of July to continue receiving payments. This means you must return to the United States on or before the first day of July. If you do not return on or before July 1, your benefits will stop beginning August. If we stopped your benefits, you must return and remain lawfully present for the entire calendar month to start receiving benefits again. A full calendar month visit means you are physically present for every hour of every day of any month of the year. For example, to considered present in the U.S. for the full calendar month of August, you must arrive in the United States no later than July 31 and leave no sooner than September 1.

laohua001 发表于 2024-06-16 13:15

你给出的是一般规定 上面的是例外情况 看这个文档 Your Payments While You Are Outside the United States
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ft2019
可以的,文档里面的country list 4有中国。截屏如下
漂洋过海2024
laohua001 发表于 2024-06-16 13:15
https://www.ssa.gov/international/payments.html?tl=0
1. Can I receive Social Security benefits if I am not a U.S. citizen and I live outside the United States? Generally, we cannot pay Retirement, Survivors, and Disability Insurance benefits to noncitizens after their sixth calendar month outside the United States. However, you might qualify for an exception, which could allow you to receive benefits without visiting the United States. If an exception does not apply, you must be physically and lawfully present in the United States for a full calendar month to begin receiving benefits. If you leave the U.S., we will stop your benefits the month after the sixth calendar month in a row that you are outside the country. You can make visits to the United States for specific periods of time, depending on how long you’ve been outside, to continue receiving your benefits. Here’s how it works: We will not start counting the calendar months of absence until you have been outside the United States for 30 days in a row. If you return to the United States for any part of one day before 30 days have passed since you left, we stop counting days absent. For example, if you left the U.S. on January 15, we stop counting your absence if you return for any part of one day before the end of the day on February 14. Once you have been outside the U.S. for 30 days in a row, you will continue to receive benefits if you stay in the U.S. for 30 days in a row before the end of the sixth calendar month after the date you left. For example, if you left on January 15, and did not return before the end of the day on February 14, you must complete a 30-day stay in the United States before the end of July to continue receiving payments. This means you must return to the United States on or before the first day of July. If you do not return on or before July 1, your benefits will stop beginning August. If we stopped your benefits, you must return and remain lawfully present for the entire calendar month to start receiving benefits again. A full calendar month visit means you are physically present for every hour of every day of any month of the year. For example, to considered present in the U.S. for the full calendar month of August, you must arrive in the United States no later than July 31 and leave no sooner than September 1.

你这里说的不是社安金,是退休金,遗孀福利残疾福利Retirement, Survivors, and Disability Insurance benefits to noncitizens
z
zhejing
/sub 感觉好复杂啊
a
amenity01
回复 1楼 Haixiantang 的帖子
以前曾经关注过,也打电话去社安局问过,答案是可以
c
cutehail
回复 1楼 Haixiantang 的帖子
福利我领了一辈子了。专业意见,可以!
y
yoshi
ssi和ss benefit不太一样啊 ssi好像是六个月不在就没有了
月亮的雨
啊?究竟谁是对的?
y
youyouzou
回复 1楼 Haixiantang 的帖子
有全面的gov原文吗?
月亮的雨
那谁来科普一下。
m
maggie001
如果是美国公民是不是就不可以了?
y
youyouzou
maggie001 发表于 2024-06-16 23:19
如果是美国公民是不是就不可以了?

美国公民,没法在中国长待。
v
vivian999msu
谢谢分享!
公用马甲1
那如果攒够了40个点,老了回中国,而且绿卡过期失效了,这种情况还能领吗?毕竟中国养老,年纪大了每半年回美国保持身份估计够呛。
T
Tia99
Follow
L
Livewell
回复 25楼 公用马甲1 的帖子
没绿卡了你和美国有什么关系, 当然没有社安。
L
Livewell
只有美国公民,别的国家永居或者去双国籍的国家才能拿到社保。 那些图这回国养老不入美国籍的,以后不要社保。
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Silong06
父母来领了绿卡又回去住的不清楚,但是我们工作了超过40credits, 怎么不能拿?
L
Livewell
回复 29楼 Silong06 的帖子
你不是绿卡不是公民, 你和美国没关系啦,为什么政府要给你发钱。
月亮的雨
Livewell 发表于 2024-06-17 09:02
回复 29楼 Silong06 的帖子
你不是绿卡不是公民, 你和美国没关系啦,为什么政府要给你发钱。

工作了那么多年,交了四十个季点,理应拿的。
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thymesu
回复 30楼 Livewell 的帖子
你查了再说好吗?丢失绿卡也可以取,只是要算成收入,交30%的收入税。
L
Livewell
1. Can I receive Social Security benefits if I am not a U.S. citizen and I live outside the United States? Generally, we cannot pay Retirement, Survivors, and Disability Insurance benefits to noncitizens after their sixth calendar month outside the United States. However, you might qualify for an exception, which could allow you to receive benefits without visiting the United States. If an exception does not apply, you must be physically and lawfully present in the United States for a full calendar month to begin receiving benefits. If you leave the U.S., we will stop your benefits the month after the sixth calendar month in a row that you are outside the country. You can make visits to the United States for specific periods of time, depending on how long you’ve been outside, to continue receiving your benefits. Here’s how it works:
这里说的retirement insurance 是社安,因为是保险的一种。
L
Livewell
回复 32楼 thymesu 的帖子
你不是绿卡不是美国公民不住在美国, 美国政府收你什么税?
L
Livewell
要退路道中国的早点走省点社保, 因为不保持绿卡不太可能拿。
月亮的雨
Livewell 发表于 2024-06-17 10:35
要退路道中国的早点走省点社保, 因为不保持绿卡不太可能拿。

你看视频了吗
b
baicaiyezi2
越看越糊涂。到底是怎么回事。
l
lululemon888
youyouzou 发表于 2024-06-17 01:01
美国公民,没法在中国长待。

美国公民但有中国身份证呢?中国还有户口簿,谁知道你不是中国人啊?
金山阿叔
离境超过6个月什么都没了,不办回美证绿卡都难讲。真要想在中国养老就入美国籍,在中国呆到期限去香港转一圈重新计算。退休金在大使馆一直可以拿,外籍在中国医疗保险是大问题,或许有商业保险可以买吧
5
50cents
哈哈哈哈哈哈哈哈,都让开,正确做法:最后一刻入籍,回国住到不想住,回美
c
coconuttree
金山阿叔 发表于 2024-06-17 12:39
离境超过6个月什么都没了,不办回美证绿卡都难讲。真要想在中国养老就入美国籍,在中国呆到期限去香港转一圈重新计算。退休金在大使馆一直可以拿,外籍在中国医疗保险是大问题,或许有商业保险可以买吧

退休金直接入美国的银行账户不就行了,为啥还要去大使馆
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thymesu
回复 32楼 thymesu 的帖子
你不是绿卡不是美国公民不住在美国, 美国政府收你什么税?
Livewell 发表于 2024-06-17 10:33

我猜相当于外国人在美国赚钱,美国收联邦税。 其实,你想想这个SS税是自己和雇主一起交的,存了为养老用的,相当于政府强制老百姓为养老准备,这个钱是个人的钱,当然应该还给个人,既使雇主交的那部分不算你的钱,既使不用政府的计算器发给你养老金,至少你交的那些应该退回来。 这一点中国政府估计都能做到。我当年交的医疗基金停了N年后,也把我交的都退给我了。
月亮的雨
金山阿叔 发表于 2024-06-17 12:39
离境超过6个月什么都没了,不办回美证绿卡都难讲。真要想在中国养老就入美国籍,在中国呆到期限去香港转一圈重新计算。退休金在大使馆一直可以拿,外籍在中国医疗保险是大问题,或许有商业保险可以买吧

https://huaren.us/showtopic.html?topicid=2676569&fid=398
月亮的雨
1. 美国公民:

只要不是定居在古巴或朝鲜,即使长期在海外居住,都可以要求政府,按月将退休金寄到国外的地址;如果银行账户设在香港或日本,政府更可以将退休金,以自动转账方式送到户口内,但设在其他亚洲国家的银行账户则不能自动转账。也就是说,如果您是美国公民,长期离境并不会对您的养老金领取带来影响。但请注意,养老金银行自动转账需符合一定条件,具体可咨询美国相关机构。

2. 美国绿卡持有者: 退休后长期(超过6个月)回国地定居,即使失去了绿卡,也可以继续领取退休金。不过,需要将85%的退休金,抽出30%来缴付联邦税。如果居住在与美国签有税收契约的10个国家内,就不必付联邦税,这10个国家是:加拿大、埃及、德国、爱尔兰、以色列、意大利、日本、罗马尼亚、瑞士、英国。 中国公民,在美国获得领取退休金所需要的40个季点(Credits),或在美国居住了十年并获得领取退休金所需要的工作季点以后(1929年或以前出生者,只要获得出生年份加上11的工作季点,就符合领取退休金的资格。比如说,1928年出生者,只需要39个季点),如果选择回原居地定居,不管居住的时间多长,都可以收到美国社安局寄去的退休金。 另外,夫妇两人当中一人有资格领取退休金,而夫妇两人在美国共同居住达5年,在有资格领取退休金的配偶去世以后,仍然生存的配偶及18岁以下的子女,都可以在原居地继续领到美国社安局寄去的遗属福利金。
逆风而行
到底哪个答案是对的?
x
xsh
绿卡在国外待的时间长不就失效了
焱焱
laohua001 发表于 2024-06-16 12:59
no。 我这有个绿卡回国的,早就问的明明白白。
只有,6个月。
exemption 就是 美国公民的配偶,前妻or 前夫也算。
好像,加拿大和美国有协议,加拿大人可以领SSN,而且不用绿卡。


那夫妻俩人一个公民一个緑卡不就行了
H
Haixiantang
xsh 发表于 2024-06-17 17:39
绿卡在国外待的时间长不就失效了

所以拿社安金扣30%
H
Haixiantang
逆风而行 发表于 2024-06-17 16:42
到底哪个答案是对的?

我觉得是可以拿到的。
o
oqo
Haixiantang 发表于 2024-06-17 21:15
我觉得是可以拿到的。

前面官方PDF说的明明白白
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Haixiantang
oqo 发表于 2024-06-17 22:32
前面官方PDF说的明明白白

哪里?
o
oqo
Haixiantang 发表于 2024-06-18 00:32
哪里?

https://www.ssa.gov/pubs/EN-05-10137.pdf
月亮的雨
oqo 发表于 2024-06-18 00:35
https://www.ssa.gov/pubs/EN-05-10137.pdf

所以在中国养老是可以拿到的
爱吃牛排
mark