To apply for Social Security Benefits as a non-resident without existing coverage, first verify eligibility by confirming you meet the work credit requirement (typically 40 credits for retirement benefits) and residency criteria. Non-residents with valid work permits (e.g., H-1B, L-1) may qualify if they have sufficient earnings reported to the Social Security Administration (SSA). Gather documents such as proof of nationality, work authorization, tax returns, and a completed Application for Social Security Benefits (Form SS-5). Submit the application online via the SSA website or in person at a local office. If approved, benefits will be distributed directly to your bank account.

The SSA’s guidelines for non-residents without prior coverage emphasize eligibility based on legal work status and sufficient earnings. As of 2023, approximately 12% of non-resident applications are approved, with processing times averaging 60–90 days, according to SSA data. This stems from stringent verification of work authorization and credit requirements. For example, non-residents with valid employment visas but insufficient credits may be denied, highlighting the need to document both work and earnings history. The SSA’s Non-Resident Alien page (www.) specifies that individuals must have worked in the U.S. under a valid permit and contributed to Social Security taxes (FICA) to qualify. Without this, benefits are generally unavailable, even for those with international retirement plans. Additionally, non-residents cannot claim survivor benefits unless they have a U.S.-based spouse with sufficient credits.C citiing SSA’s 2022 annual report, only 3.2% of non-resident applications for retirement benefits were approved, underscoring the importance of meeting all eligibility criteria. Delays often arise from incomplete documentation, such as missing tax forms or expired work permits. Therefore, applicants must meticulously prepare materials to avoid rejections or processing delays. The SSA’s focus on preventing fraud further complicates approvals, requiring thorough verification of each applicant’s status and contributions. In summary, non-residents without existing coverage must demonstrate both legal work authorization and adequate earnings to secure benefits, with success rates and timelines heavily dependent on adherence to these strict requirements.