In 2025, the United States saw negative net migration for the first time in 90 years, with more citizens leaving the country than moving in, according to a report by The Motley Fool. This trend raises questions for retirees considering life abroad, particularly regarding their Social Security benefits. Most U.S. citizens can continue to receive these benefits while living overseas, although certain countries, including Cuba and North Korea, prohibit such payments. Additionally, Americans lacking sufficient work credits may still qualify for benefits through international agreements established with several countries since the late 1970s. These agreements allow individuals to combine work records from both the U.S. and partner nations. Retirees can apply for Social Security benefits online and have payments deposited either into a U.S. bank account or directly into a foreign account in countries that permit direct deposits. Understanding these regulations is vital for retirees to ensure they maintain their Social Security income without unexpected interruptions after relocating.