Social Security Claiming Optimiser
Optimal claiming age for US expats — WEP/GPO adjustment, break-even analysis, foreign pension interaction, and country-specific payment rules.
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Key Rules for Expats
WEP (Windfall Elimination Provision): If you receive a foreign pension from work NOT covered by US Social Security, WEP reduces your SS benefit. 30+ years of substantial US earnings eliminates WEP entirely.
Totalization Agreements: Work credits from 30 countries can be combined with US credits to qualify for SS. You need at least 6 US credits (1.5 years) to use totalization.
Non-Citizen Abroad: If you are a non-citizen living abroad, SS payments stop after 6 months unless you're in a treaty country or meet exceptions.