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Immigration See other Immigration Articles Title: Growing number of Americans are retiring outside the US Yahoo... In this photo provided by Joseph Roginski, taken May 13, 2011, Joseph Roginski, right, holds a package in a storeroom of the Misawa City Hall in Japan, where donations of clothing and supplies were being kept for earthquake relief efforts. He says that while the cost of living is higher in Japan, access to health care is not. “Things are very expensive here. It is impossible to live off Social Security alone,” said Roginski, who was stationed in Japan in 1968. “But health insurance is a major factor in staying here.” The former military language and intelligence specialist said he pays $350 annually to be part of Japan’s national health insurance. His policy covers 70 percent of his costs. The rest is covered by a secondary insurance program for retired military personnel. (Joseph Roginski via AP) Newly widowed, Kay McCowen quit her job, sold her house, applied for Social Security and retired to Mexico. It was a move she and her husband, Mel, had discussed before he passed away in 2012. "I wanted to find a place where I could afford to live off my Social Security," she said. "The weather here is so perfect, and it's a beautiful place." She is among a growing number of Americans who are retiring outside the United States. The number grew 17 percent between 2010 and 2015 and is expected to increase over the next 10 years as more baby boomers retire. Just under 400,000 American retirees are now living abroad, according to the Social Security Administration. The countries they have chosen most often: Canada, Japan, Mexico, Germany and the United Kingdom. Retirees most often cite the cost of living as the reason for moving elsewhere said Olivia S. Mitchell, director of the Pension Research Council at the University of Pennsylvania's Wharton School. "I think that many people retire when they are in good health and they are interested in stretching their dollars and seeing the world," Mitchell said. McCowen's rent in Ajijic, a community outside Guadalajara near Mexico's Lake Chapala, is half of what she was paying in Texas. And since the weather is moderate, utility bills are inexpensive. In some countries, Mitchell said, retirees also may find it less expensive to hire someone to do their laundry, clean, cook and even provide long-term care than in the United States. McCowen has a community of other American retirees nearby and has adjusted well. But for others there are hurdles to overcome to adjust to life in a different country. Viviana Rojas, an associate professor at the University of Texas at San Antonio, says the biggest obstacle is not speaking the language or knowing the culture. "Many of the people we interviewed said they spoke Spanish, but they actually spoke very little Spanish," said Rojas, who is writing a book about retirees in Mexico. "They didn't have the capacity of speaking enough Spanish to meet their basic needs like going to the doctor or to the store." Access to health care also can be a challenge. While retirees still can receive Social Security benefits, Medicare is not available to those living abroad, Mitchell said. Joseph Roginski, 71, says that while the cost of living is higher in Japan, access to health care is not. "Things are very expensive here. It is impossible to live off Social Security alone," said Roginski, who was stationed in Japan in 1968. "But health insurance is a major factor in staying here." The former military language and intelligence specialist said he pays $350 annually to be part of Japan's national health insurance. His policy covers 70 percent of his costs. The rest is covered by a secondary insurance program for retired military personnel. Japan experienced biggest growth, 42 percent, of American retirees than any other country between 2010 and 2014, according to data from the Social Security Administration. The large U.S. military presence in the country may be a factor. There are more than 50,000 U.S. military servicemen and -women stationed in Japan. The presence is so large that in the island of Okinawa, the U.S. military occupies about 19 percent of the area, according to Ellis S. Krauss, professor emeritus of Japanese politics and policy-making at the University of California, San Diego. Roginski, who volunteers for the Misawa Air Base Retiree Activities Office, said he helps connect more than 450 retirees and their families living in Northern Japan with resources. He said he would never move back to the United States. "We have a real strong sense of security here," he said. "I can leave my door unlocked and no one will take anything. When I go to another country I feel nervous, but when I come back I feel like I'm home." Mexico has become home for retired firefighter, Dan Williams, 72, and his wife, Donna, 68. The couple has been living near the same retirement community in Lake Chapala for 14 years. "The climate and the medical services are very good," Williams said. Williams teaches painting to adults and children and puts together a monthly magazine for the local American Legion. He is also a member of the Lake Chapala Society, which offers daily activities for American retirees. It was those same services that attracted McCowen to the region. "Before moving, I found out how many widowed and divorced women lived here," she said. "There is comfort in numbers." She says she loves being in a lively community. "I see older people walking year round. I see them all over the place even in their wheelchairs. If they were in the U.S., they would probably be in a nursing home," she said. "I don't think I could move back." ___ EDITOR'S NOTE — Maria Ines Zamudio is studying aging and workforce issues as part of a 10-month fellowship at The Associated Press-NORC Center for Public Affairs Research, which joins NORC's independent research and AP journalism. The fellowship is funded by the Alfred P. Sloan Foundation. Post Comment Private Reply Ignore Thread Top • Page Up • Full Thread • Page Down • Bottom/Latest
#1. To: Tatarewicz (#0)
I'm surprised Latin America isn't ranking higher. It is possible to live off SS alone comfortably in many, though not all LA countries, and health costs are much more reasonable.
$350 annual insurance in Japan. Not bad compared to Obama's $15,000. And Japanese are longest-lived and probably healthiest in the world.
do you miss america?
"Even to the death fight for truth, and the LORD your God will battle for you". Sirach 4:28
The US you mean. No. I don't, and I can't imagine going back. Generally, Ecuador and probably much of LA is more libertarian than the US is. There are 2 exceptions. One is firearm ownership is not a right (though how much of a right is it in the US?). You can still get guns but quality ones are expensive with enormous taxes. You can also get stopped while driving without cause and required to show license and registration. But that's honestly about it. Zoning is almost non-existent here, and one can see the pros and cons of that. The police are generally nice people, like everyone else, and there's no innate fear/adrenaline rush of huge fines when you see them on the road if you happen to be going more than 5 MPH over the limit. Aside from that the scenery and weather is great year round. Cost of living is much less, though some things like cars and electronics are more expensive. Lots of fresh produce is available year round. Crime is more of a problem but one adjusts. The economy is not as good with fewer businesses. I think a lack of a manufacturing base is the reason. But, no, I don't miss the US. It's nice knowing that the taxes I pay here isn't used to finance drone strikes on wedding parties, that all military activity here is within the country I'm in. It's not perfect, but no place is. I'm not the happiest guy in the world right now, but where I am is where I want to be.
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