Pension Transfer Poland ↔ USA — Totalization Agreement
Working in both PL and the USA provides pension benefits from both countries — the social security agreement from 2009, SSA forms.
🇺🇸 USA Guide: Social Security and retirement
Practical guides on "Social Security and retirement". Plain language, with examples for the Polish community in the USA.
Widow/Widower and Social Security — What Benefits Are Available?
Learn about the Social Security benefits available to widows and widowers, including eligibility requirements and how to calculate benefit amounts.
Retirement: Early, Full, or Delayed? A Comparison of Profitability
Are you wondering when is the best time to start receiving retirement benefits? This guide compares early, full, and delayed benefit options to help you make the best financial decision.
SSI — Supplemental Security Income in the USA (2026) — who, how much, how to apply
SSI (Supplemental Security Income) is a federal SSA program providing $967/month for individuals and $1,450/month for couples (2026) for people aged 65+ OR blind OR disabled, with low income and low assets, distinct from Social Security (SSDI/retirement) as it does not require work history and is funded by general tax revenue but has strict asset limits ($2,000 for individuals, $3,000 for couples).
Survivor Benefits in the USA — Social Security Benefits for Spouses
If your spouse has passed away and worked in the USA under an SSN, you may be eligible for Survivor Benefits from Social Security; this guide covers eligibility, benefit amounts (60-100% of the deceased's benefit), when to start (age 60), Form SSA-10, and a lump sum of $255 while living in Poland.
Social Security for Couples — Benefit Optimization Strategies
Learn how to best utilize Social Security benefits as a couple, including strategies like claim-and-switch and benefit optimization for widows and widowers.
How to Recognize Phone Scams Impersonating Social Security?
Learn how to identify phone scams impersonating Social Security, understand the scammers' techniques, and how to protect yourself from their threats.
How to Avoid Huge RMDs After Age 73?
Learn how to effectively manage your retirement funds to avoid high Required Minimum Distributions (RMDs) after age 73, and discover strategies you can implement in your 60s.
When is the Best Time to Start Collecting Social Security?
Considering when to start collecting Social Security benefits? Learn about the differences between early, full, and delayed collection, as well as factors to consider.
How to Do a Roth Conversion Without Paying Out of Pocket?
Learn how to perform a Roth IRA conversion while avoiding out-of-pocket tax payments, discovering strategies to maximize tax-free growth.
Roth Conversion After Age 65 — When Does It Make Sense?
Are you considering a Roth IRA conversion after age 65? Learn when such a decision may be beneficial, especially in the context of large pre-tax balances and estate planning.
How Does Spousal Benefit Work in Social Security? A Guide for the Polish Community
Learn how spousal benefit works in Social Security, what the requirements are, and how to calculate your benefits. A guide for Poles in the USA to maximize their retirement rights.
Roth IRA vs Traditional IRA — which is better for you?
Are you wondering which retirement account is better: Roth IRA or Traditional IRA? Learn about the key differences between them to make an informed financial decision.
Retirement Income Planning for Poles in the USA
Learn how to effectively plan retirement income by combining various sources such as Social Security, pension, 401k, IRA, Roth, and Polish ZUS to achieve financial stability in retirement.
Roth Conversion and Medicare — How to Avoid the Hidden IRMAA Trap?
Are you planning a Roth conversion? Learn how it may affect your Medicare premiums and taxes, understand the costs associated with IRMAA, and avoid unpleasant surprises.
RMD (Required Minimum Distributions) — what is it and how does it work?
Learn what Required Minimum Distributions (RMD) are and how they affect your retirement savings, including rules regarding the starting age, calculations, and penalties for non-compliance.
How to Recognize Scammers Impersonating the Social Security Administration?
Learn how to identify scammers impersonating Social Security Administration employees, recognize warning signs, and protect yourself from phone scams.
I Have $1.1M in 401(k) and IRA — Can I Retire?
Do you have $1.1M in your retirement accounts and are wondering if you can retire? Learn how to apply the 4% rule and what factors may influence your decision.
How to Prepare Financially 15 Years Before Retirement
Planning for retirement in 15 years? Learn how to prepare financially to enjoy a peaceful life after your career ends with these key steps you should take today.
How to Avoid the 401(k) Tax Trap in Retirement?
Did you know that a high balance in your 401(k) account can become a tax issue after age 73? Learn how to minimize taxes with strategies such as Roth conversions and QCDs.