Can You Collect US Social Security and Live in Costa Rica?
Yes — you can collect U.S. Social Security while living in Costa Rica. Thousands of American retirees receive Social Security abroad without issues.
1. Social Security Payments Overseas
The U.S. government allows retirees to receive benefits in almost all countries — Costa Rica included.
You can choose:
Direct deposit to a U.S. bank
International deposit (limited)
ATM withdrawals locally
Most retirees keep their U.S. accounts.
2. No Residency Requirement
Receiving Social Security does not require:
Living in the USA
Filing special forms
Returning back often
You simply need to keep your information updated with the SSA.
3. Tax Situation
Costa Rica:
Does not tax foreign income
Does not tax Social Security benefits
The USA taxes Social Security based on total income, not residency.
4. Using Social Security to Qualify for Residency
You can use Social Security income to qualify for:
Pensionado Residency
Requirements:
$1,000/month guaranteed income
Your SS check counts.
5. Healthcare for U.S. Retirees
Costa Rica has:
Low-cost public healthcare (CAJA)
Affordable private options
Modern hospitals
Retirees find the system reliable and inexpensive.
Bottom Line
Yes — you can live in Costa Rica, collect U.S. Social Security, and even use it to qualify for residency.
Use CitizenCR to streamline your application.
Download the CitizenCR app for pensionado guidance, healthcare tips, and expert support.
