Skip Global Navigation to Main Content
Skip Breadcrumb Navigation

Frequently Asked Questions

  • How long will I wait for the decision on my Social Security benefits based on combined periods of work in the U.S. and Poland?

    How long will I wait for the decision on my Social Security benefits based on combined periods of work in the U.S. and Poland?

    • It depends on when the Polish agency (ZUS or KRUS) provides us with the certification of the periods of insurance in Poland. It usually takes from 2 up to 12 months.

  • Is my SSA benefit taxable in Poland?

    Is my SSA benefit taxable in Poland?

    • Yes. It may be taxable in the U.S. or in Poland depending on your individual status. Please refer to the Taxation of benefits section for more information.
  • Do I have to pay a premium for the Polish National Health Fund (NFZ)?

    Do I have to pay a premium for the Polish National Health Fund (NFZ)?

    • Yes, the premiums are deducted from all sources of income. For details and current rates please contact NFZ.

  • I did not get my benefit payment this month. What should I do?

    I did not get my benefit payment this month. What should I do?

  • What is the minimum period of work required to become eligible for U.S. benefits?

    What is the minimum period of work required to become eligible for U.S. benefits?

    • It differs depending on the type of benefits you want to apply for. The minimum number of credits required for benefits based on combined periods of coverage in the U.S. and Poland is 6. Please refer to the Benefits section for more information.

  • When I move to Poland can I continue to receive my benefits to my bank account in the U.S.?

    When I move to Poland can I continue to receive my benefits to my bank account in the U.S.?

  • What is my retirement age?

    What is my retirement age?

    • The retirement age differs depending on the type of benefits for which you apply. Please refer to the Benefits section for more information.

  • I received a letter or a form but I do not understand it. Who can help me?

    I received a letter or a form but I do not understand it. Who can help me?

    • If the letter or form is in English and there is no translation provided please ask someone who speaks English to help you translate it. If the form is in Polish or there is a Polish translation provided please carefully read and follow the instruction. In complex matters you can request assistance of the Federal Benefits Unit but please bear in mind that we do not routinely provide translation services.

  • Will my Polish pension affect the amount of my U.S. benefits?

    Will my Polish pension affect the amount of my U.S. benefits?

    • If you receive retirement benefits based on your own work in the U.S. and neither your U.S. nor Polish benefits were based on combined periods of work in both countries, your Polish retirement benefit will affect the amount you are getting from SSA. Please make sure you inform the Federal Benefits Unit immediately once you are awarded Polish benefits to avoid possible overpayment of U.S. benefits. Please follow the guidelines in the Reporting Changes section.

  • Will my Medicare insurance cover the costs of medical care in Poland?

    Will my Medicare insurance cover the costs of medical care in Poland?

    • No.

  • How can I determine if I pay premiums for Medicare Part B and if I do how can I request termination?

    How can I determine if I pay premiums for Medicare Part B and if I do how can I request termination?

    • Please check the entries on your Medicare insurance card. If both Part A and Part B are listed it means that the monthly premiums may be deducted from your SSA benefits. If you want to have Part B insurance terminated you can request it by filling out the form CMS-1763 and send it to the Federal Benefits Unit. Please note that Medicare insurance Part A (hospital insurance) is free of charge.

  • Can I get retirement benefits and still work in Poland?

    Can I get retirement benefits and still work in Poland?

    • Yes, but your work can affect your right to benefit payments. If you are below full retirement age and engage in self-employment or work for a Polish employer for more than 45 hours you may not be eligible for payments. Please go here to read more about it.

  • I applied for reduced benefits before my full retirement age. Will my benefits increase once I reach my full retirement age?

    I applied for reduced benefits before my full retirement age. Will my benefits increase once I reach my full retirement age?

    • No. Your benefits will remain reduced.

  • I do not have a bank account. Will I still be able to receive my benefits in Poland?

    I do not have a bank account. Will I still be able to receive my benefits in Poland?

    • Yes. Although SSA promotes electronic fund transfer to bank accounts, it is possible to receive benefits in a form of a paper check delivered to your mailing address in Poland.

  • What is the minimum amount of retirement benefits?

    What is the minimum amount of retirement benefits?

    • There is no minimum amount. It depends on the number of years you or your family member worked in the U.S., the amounts of taxed earnings in each year and your age.