9 Countries With Social Security Agreements With the US

You can realize your dream of retiring overseas without sacrificing the hard-earned benefits you accrued during your working years. Thanks to international Social Security agreements—often called totalization agreements—the United States coordinates pension coverage with 30 partner nations, preventing double taxation and helping you combine work credits across borders. If you have earned at least six U.S. work credits, these treaties ensure that missing full U.S. coverage will not block your monthly retirement payout. Understanding these bilateral treaties empowers you to stretch your savings, explore new cultures, and protect your financial security. Here are nine top countries with Social Security agreements with the US.