H-1B visa holder reclaiming SSN after max-out

An H-1B visa holder who returns to their home country after 6 years (visa max-out) does not lose their Social Security Number (SSN), but they cannot withdraw Social Security contributions (FICA taxes) immediately. Here’s what you can do:

1. Check for a Totalization Agreement

The U.S. has agreements with some countries (e.g., India, Canada, Australia) that allow you to transfer Social Security benefits to your home country’s pension system.

Sri Lanka does NOT have a totalization agreement with the U.S., meaning you may not get direct benefits unless you qualify under U.S. rules.

2. Refund of Social Security Taxes?

❌ No Refund – The U.S. does not refund Social Security taxes unless you paid them in error (e.g., wrong visa status).

3. Can You Claim Benefits Later?

✅ Yes, If You Worked for 10+ Years (40 Credits) – You can claim U.S. Social Security benefits at retirement age (62+), even from abroad.

❌ No, If You Worked for Less Than 10 Years – You may not get benefits unless you return to work in the U.S. later.

4. What About 401(k) or IRA?

✅ 401(k) or IRA Savings Can Be Withdrawn

If you contributed to a 401(k) or IRA, you can withdraw funds (with taxes and penalties if under 59½).

5. Alternative: Tax Refund on Medicare & Social Security?

If your employer wrongly deducted FICA taxes while you were on OPT, J-1, or F-1, you can file IRS Form 843 for a refund.

H-1B holders are not eligible for this refund.

Best Option?

If you worked for 10+ years, claim Social Security benefits at 62.

If less than 10 years, no refund is available, but you can return to the U.S. later to complete the required credits.

You can withdraw 401(k)/IRA savings.

Would you like help checking your eligibility for future Social Security benefits?