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[quote=Anonymous]Background: my spouse is a permanent resident working in an international organization.  As such, among other things, he doesn't pay social security or medicare.  (I do pay, soin principle he will get a survivor benefit thru me).  He is thinking of becoming a US citizen, which, among other things, would mean beginning to pay SS and medicare.  In other words, he has the option, by deciding not to become a USC, to continue to opt out of SS and medicare.  No payments, but no benefit at the end (other than eventual survivor benefit).  He has a nice pension thru his employer.  Also, It is likely that we will retire abroad in a couple of decades,which would mean that he wouldn't be able to use medicare even after contributing for a couple of decades. (Unlike SS, you have to live in the US to enjoy medicare during your retirement).

If you could opt out of SS, would you?  Would you rather invest the $7,000 or so of your part of SS annual contributions instead of giving it to the SS system with the hope that it will still be there in two decades?  Does having a survivor benefit thru your paying spouse change your equation?  Does the fact that the employer would pay the other half of SS contribution make a difference in your calculation?[/quote]

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