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Welcome to USA for expats! We aim at smoothing the arrival of foreigners to the USA by summarizing the administrative burdens and providing useful links to the appropriate administration services.

A quick reading of this blog might save you precious time when it comes to administrative tasks. For the rest, it’s up to you to make a treat out of your stay here! We hope you enjoy it 😉

Task order

 

The order we advise you to follow is:

You can initiate most of the tasks simultaneously; of course, some of them need to be done before others. For example, a social security number is required for housing rental applications or for signing up for health insurance. Most of the tasks can be done online, except for a few such as visa and social security. Providing all the requested documents and informations is vital to speeding up the process.

Visas

 Before your arrival, make sure to identify the most appropriate visa which depends on your departure country and your future work/study situation in the USA. The large variety of visas and conditions is detailed on this official website. Depending on the nature of your activity in the USA, you might have to contact your future employer or university to ensure they will “sponsor” you. To apply for your visa, you will need to compile all the documents required by the US consulate in your home country. You will then go through a physical interview with an immigration officer at the consulate who will assess your application. Prepare yourself to accurately answer to all the possible immigration questions. Here you can find some question examples and tips.

Phone

For many administrative or banking tasks, it is essential to get your own US phone number. Here are some of the most popular service providers: AT&T, T-Mobile, Sprint, Verizon, US Mobile, Cricket and Boost. Here is the plans pricelist for Verizon, Sprint, T-Mobile, AT&T, US Mobile, Cricket and Boost. In some cases, we advise you to activate the line with the presence of the vendor. If you use a GSM phone which is not the US standard, keep in mind that the frequency band for communication might be different and your cell phone might not work. For more informations see here.

It is worth knowing that Verizon, AT&T, T-Mobile and Sprint provide the network, which other companies use. If you’re not living in a big city you can check the coverage quality you will receive from different companies on Rootmetrics or Whistleout for example.

Bank and Payment Cards

The largest banks in the USA are Chase, Bank of America, Citigroup, Wells Fargo, Morgan Stanley, Truist, PNC, TD-Bank, Capital One, HSBC. Most banks require an address, proof of identification, and your SSN (if you already have it) to open a bank account. You might open, through the USA consulate in your home country, your bank account before arriving. If you need help or advice in choosing a bank, read about these here. Check what deposit insurance and what type of accounts are available (checking, savings…) at your bank. Debit cards and credit cards are not the same. A debit card spends money from your checking account while a credit card works like a loan with interest from your bank. Credit cards are useful for hotel reservations, car rental, and to build a credit score if you intend to settle long term in the USA. Applying for a credit card before having an SSN might result in better payment conditions. Check conditions and fees at your bank.

Social Security

Once you arrive to the United States, you will need to wait 10 working days before applying for a Social Security Number (SSN). In the meanwhile, you can:

  • Ensure that you know your correct physical mailing address. Depending on your location in US, you might not receive your mails at your residence, check for a solution here.
  • Fill the SS-5 form. Prepare your I-94, your passport containing your visa and its relative admission stamp. Bring your permanent resident card or an I-766 too, if you have those.
  • If you are a foreign student (F-1 or M-1): bring your I-20 or a letter from the DSO. If you are an exchange visitor (J-1 or J-2): bring your DS2019 or your EAD. For J-1: bring a letter from your sponsor authorizing you to work.

Bring all of these documents to a social security office, which you can find here. Official information’s is here.

Housing

 To find a place to live, you will need to search on online real state databases such as Zillow, Rent.com, Appartments.com, or Craigslist. It is best to start this process before your arrival.  In most of the cases, after the visit, the real estate agent or the landlord will ask you to provide the following:

  • ID documents (Passport, Social Security Card, Driving license, ID card).
  • Proof of income (Paychecks, Bank statement, etc.).
  • Letter from your employer.
  • Security deposit: generally equivalent to one monthly rent.
  • Credit history or rental history (if you have one).
  • Application fees, might be non-refundable.

If your application is approved, you will need to sign a “rental lease agreement.” Read it carefully. This document will establish the rent amount, duration of the contract, terms for terminating the contract and general conditions. You should get and keep a copy of it after the signature.

Health Insurance

Medical costs in US can be much higher than in your home country. That is why you must apply for a health insurance, either through your job or an individual plan. There are mainly two categories: HMOs (Health Insurance Plans) and PPOs (Preferred Provider Organization). Your insurance will be paid monthly by yourself and/or your employer. Before choosing a health insurance policy, identify its following parameters :
Copay: a fixed amount that you will pay out-of-pocket for each medical act or visit.
Coinsurance: a fixed percentage of the total bill that you will pay out-of-pocket on medical acts or exams.
Yearly deductible: a cumulative amount that you will need to pay before your insurance start to reimburse you.
Maximum out-of-pocket: the total costs that will not be covered by your insurance in one year. The total costs you need to reach per year before your insurance reimburse 100% of your health cost. Before receiving any medical care, make sure that the hospital or the practicioner is part of your insurance network. Otherwise, your insurance will not pay anything. Be careful: in a in-network hospital you can met an out-of-network practioner. If you are insured and you still receive a huge bill from an health provider, contact your insurance company: it can negotiate the prices for you and significantly reduce the bill.

Identity Card

In bars or other places, you might hear, « can I see your ID, please? ». By ID, Americans generally refer to a US state driving license. Showing your passport is fine, but carrying it all the time with you might be unsafe. Even if you have no idea how to drive a car, you can get an ID card from your local DMVs (Departement of Motor Vehicles), city, or the county you live in the US.

Documents needed to apply for it might depend on the local authorities. In general, you will need to provide your SSN and passport. This local ID card does not come with the same benefits as a state ID or a green card. In the case of police check, we advise you to have your passport’s main pages, and your immigration documents scanned in your smartphone. Here are some links to get an ID card in New-York, Los Angeles, Chicago, Houston, Washington D.C., Philadelphia, Denver, Baltimore.

Public Transportation

We encourage you to use the public transportation system when possible which is not the case everywhere in the USA. Here are the transport prices for New-York, Los Angeles, Chicago, Houston, Phoenix, Philadelphia, San Antonio, San Diego, Dallas, San Jose, Washington D.C..

You can buy an annual card here for Los Angeles, Chicago, Houston, Phoenix, San Antonio, San Diego, Dallas. You can buy the SmarTrip card online here for Washington.

Driver License

If you’re staying less than three months you may use your non-US driver’s license. You will need to ask for an international driving permit which has to be issued by the country who issued your driving license.

If you need to take your driving test, the official information’s is here. Once you have passed the test you will need to get your vision tested.

A selection of states have a driver’s license reciprocity with Canada, Mexico, France, Germany, South Korea and Taiwan. So, if you’re from one of these countries and in the correct state you should apply to exchange your current driving license instead of geting a new one, the official information is here.

Learn English

There are courses offered by the city in New York, Chicago (free), Philadelphia and San Antonio. Here is a list of English schools in San Diego. The Los Angeles public library has a great database of online ressources. The public library offers English classes in New York (free), Houston, Phoenix, San Diego, and Dallas, as well as the community center in San Jose. In addition to language apps such as Memrise or Duolingo, these websites can help you practice the grammar e.g. the British Council or the English Club. There are also many tandem and language exchange opportunities, although you might meet other expats at Internations, and other people with the same interests as yours on Meetup.

Taxes

Federal taxes: depending on your country, there might be exemption treaties which allow you to pay your taxes in your origin country. You can check this official form to see if your country is elligible. If you have to pay taxes, you can do it on the IRS website. You will have to obtain a filled W4 form from your employer. This is a form has all the necessary information to fill out the tax forms of the IRS. The official information is here.

State taxes: generally, your taxes are withheld from your salary. Depending on the state where you live/work, you might have to pay your taxes according to different rules. Here are official websites for state taxes in California, Texas, Pensylvania, New York, Illinois. Some states like Florida do not have income taxes. For the other states, please check the local tax center websites.

Retirement Plan

Your employer should propose one or several retirement plans. To apply for a plan, you need to fill out a “Retirement Plan Enrollment Form”. You can obtain this form from your employer. To fill out this type of form you will need to provide your SSN and your bank account number. Most common plans are: 401(K), IRA or Defined Benefit Plans. These plans can belong to Traditional or “Roth” categories which will affect how taxes are levied on your retirement plan. Before applying for a plan, take some time to read and understand all the conditions. For more information on retirement plans please see the Dol, usa.gov or the aarp websites. In addition to these plans, social security should provide an « Old-Age, Survivor and Disability Insurance« .

Art Work

The images on this blog are pictures of great works of art (in order of appearance): Morley, Paige Bradley, Bruno Catalano, Janessa Munt, Alice Mizrachi, Caledonia Curry, Cristian Marianciuc, Jaroslav Róna, Mok Wai Hoe, Penny Hardy and DFace.

Troubleshooting

In case you have spotted inaccurate informations on this website or if you would like more information, please write to david.perconte.duplain(at)gmail.com and I will answer you as soon as possible.