In 2016, the Affiliation of People Resident Abroad estimated that there have been 8.7 million U.S. residents have been dwelling overseas, and the Social Safety Administration reported that greater than half 1,000,000 folks dwelling outdoors the US obtain some kind of Social Safety profit, together with Social Safety Incapacity Insurance coverage advantages.
Though incapacity insurance coverage corporations don’t usually publish statistics concerning the variety of policyholders or candidates dwelling overseas, it’s protected to imagine that no less than a small proportion of U.S. residents dwelling outdoors the US are even be eligible to obtain long-term incapacity insurance coverage advantages.
As with most questions concerning long-term incapacity insurance coverage advantages, the reply relies on the phrases of your insurance coverage coverage.
In case your coverage has a international residency restriction, you might not be eligible to gather advantages when you dwell outdoors of the US for a sure time period (often six months or extra), or your funds could also be restricted to a sure time period whilst you proceed to dwell outdoors the nation.
International residency restrictions are frequent in group and particular person incapacity insurance coverage insurance policies, so make sure to receive and punctiliously overview your long-term incapacity insurance coverage coverage. You may receive a replica of your coverage by contacting your employer’s human sources division or the insurance coverage firm instantly.
