Getting Settled In The US
This article provides information that can help you adjust to life in the
United States. You’ll learn about finding housing and a job, getting a
Social Security number and a driver’s license, taking care of your money,
and getting healthcare for you and your family.
Finding a Place to Live
You can choose where you want to live in the United States. Many people stay
with friends or family members when they first arrive. After they find jobs,
they move into their own housing. Sometimes religious or community
organizations also help with temporary housing.
In the United States, most people spend about 25 percent of their income on
housing. Here are some of your housing choices:
Renting a Home
Apartments and houses can be rented. You can find these in several ways:
• Look for “Apartment Available” or “For
Rent” signs on buildings.
• Look in the newspaper in the section called
“Classified Advertisements” or “Classifieds.” Find the pages listing
“Apartments for Rent” and “Homes for Rent.” These will have information
about homes, such as where they are located, the number of rooms, and the
cost of rent.
• Look in the phone book yellow pages
under “Property Management.” These are companies that rent homes. These
companies may charge you a fee to help you find a home.
• Ask friends and relatives or people at your
job if they know of places to rent.
• Check bulletin boards in libraries, grocery
stores, and community centers for “For Rent” notices.
• Check for rentals on the Internet. If you
don’t have a computer at home, you can go to your local public library or an
• Call a local real estate agent.
What to Expect When You Rent a Home
Applying to Rent. People who rent out apartments or homes are called
“landlords.” A landlord may ask you to fill out a rental application form.
This is so the landlord can check to see if you have the money to pay the
The application form may ask for a Social Security number and proof that you
are working. You can use your LPR card if you do not yet have a Social
Security number. You can also show a pay stub from your job to prove you are
working. You may also be asked to pay a small application fee.
If you are not yet working, you may need someone to sign the rental
agreement with you. This person is called a “co-signer.” If you cannot pay
the rent, the co-signer will have to pay the rent for you.
Signing a Lease. You sign a rental agreement or “lease” if the
landlord agrees to rent to you. When you sign a lease, you agree to pay your
rent on time and stay for a specific length of time. Most leases are for 1
year. You can also find housing for shorter periods of time, such as 1
month. You may have to pay more money for a short lease than for a longer
When you sign a lease, you agree to keep the home clean and in good shape.
You may be charged extra if you damage the place you are renting. The lease
may also list the number of people who can live in the home.
A lease is a legal document. You must keep up your part of the agreement.
Landlords must also do their part. They must keep the property safe and in
Paying a Security Deposit. Renters
usually pay a security deposit when they move in. This deposit is usually
equal to one month’s rent. You will get this deposit back if the home is
clean and in good condition when you move out. If not, the landlord may keep
some or all of your deposit to pay for cleaning or repairs.
Inspect the house or apartment before you move in. Tell the landlord about
any problems you find. Talk to your landlord before you move out to find out
what you need to fix to get all of your security deposit back.
Paying Other Rental Costs. For some houses or apartments,
the rent payment includes the cost of utilities
(gas, electricity, heat, water, and trash removal). For other rentals, you
must pay separately
for these expenses. Ask the landlord if utilities are included when you are
looking for housing. If they are, make sure this is in your rental agreement
before you sign it. If utilities are not included, you should find out how
much they will cost. The cost of some utilities will be more in the summer
(for air conditioning) or winter (for heat).
|GETTING THINGS FIXED
Landlords must keep the home or apartment you rent safe and in good
condition. If you have a problem:
• First, talk to your landlord. Tell him or her what is wrong and that
you want it fixed.
• Next, write a letter to your landlord telling him or her what is
wrong. Keep a copy for yourself.
• Finally, call your local Housing Office. Most city or local
governments have people who inspect houses for problems. Ask the
inspector to visit and show him or her all the problems.
If your landlord does not fix the problems, you may be able to make a
legal charge against him or her.
Ending a Lease. Ending a rental
agreement is called “terminating your lease.” Your landlord may agree to
terminate your lease early if he or she can find someone else to rent your
home. If not, you may have to pay monthly rent until the end of the lease,
even if you are not living there. You may also lose your security deposit if
you leave before the end of the lease. Give your landlord a written notice
that you want to move out. Most landlords require notice at least 30 days
before you want to leave.
KNOW YOUR RIGHTS:
DISCRIMINATION IN HOUSING IS NOT ALLOWED
Landlords cannot refuse to rent to you because of who you are. It is
against the law for landlords to reject you because of:
• your race or color.
• the country you came from.
• your religion.
• your sex.
• a physical disability.
• your family status, such as whether or not you are married.
If you feel you have been refused housing for any of these reasons, you
can contact the U.S. Department of Housing and Urban Development (HUD)
by phone at 1-800-669-9777. Information is given in English and Spanish.
If you move, you should tell the U.S. Postal Service so it can forward your mail to your new address. You can change your address
online at http://www.usps.com or visit
your local post office and request a “Moving Guide.” Don’t forget to also
file Form AR-11 with DHS. See page 12 for instructions.
|Buying a Home
For many people owning a home is part of the “American Dream.” Owning a home
has many benefits and brings many responsibilities.
Real estate agents can help you find a home to buy. Ask friends or
co-workers or call a local real estate agency for the name of an agent. Ask
for an agent who knows the area where you want to buy your house. You can
look in the newspaper “Classifieds” under “Homes for Sale.” You can also
look for “For Sale” signs in the neighborhoods you like.
Most people need to get a loan to pay for a home; this is called a
“mortgage.” You can get a mortgage from a local bank or from a mortgage
company. Getting a mortgage means you are borrowing money at a specific rate
of interest for a specific period of time.
Interest you pay on your mortgage can be deducted from your federal income
TIP: Beware of lenders charging very high interest rates on mortgages.
Some lenders may try to charge you more because you are new to this country.
There are laws to protect you from fraud, unnecessary expenses, and
discrimination in buying a home. Find out more by visiting the “Homes”
section at http://www.hud.gov.
You also need to buy homeowner’s insurance to help pay for any possible
future damage to your
home. Insurance usually covers damage due to bad weather, fire, or robbery.
You will also need to pay property taxes on the value of your home.
A real estate agent or real estate lawyer can help you find a mortgage and
insurance. He or she can also help you fill out the forms to buy your home.
A real estate agent should not charge you a fee to buy a home. But you may
have to pay a fee to a real estate lawyer to help you fill out the forms.
You will also have to pay fees to get your mortgage and to file legal forms
with the state. These fees are called “closing costs.” Your real estate
agent or mortgage lender must tell you how much these fees will be before
you sign the final purchase
forms for your home.
|MORE INFORMATION ABOUT
BUYING OR RENTING A HOME
Visit the U.S. Department of Housing and Urban Development website at
http://www.hud.gov or call
1-800-569-4287 for information in English and Spanish. For information
about buying a home and getting a mortgage, visit the Federal Citizen
Information Center at
http://www.pueblo.gsa.gov. See also the “For Homeowners and Home
Buyers” section of
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Getting a Social Security Number
As an LPR, you can get a Social Security number (SSN). A Social Security
number is a number assigned to you by the United States government. It helps
the government keep track of your earnings and the benefits you can get. It
is also used by banks and other agencies, such as schools, to identify you.
You may be asked for your SSN when you rent an apartment or buy a home.
The government department in charge of Social Security is called the Social
Find the Social Security office closest to you by:
• Asking friends or neighbors where to find the nearest Social Security
• Calling 1-800-772-1213 between 7 AM and 7 PM. Information is given in
English and Spanish. Free interpreter services are available.
• Looking for the address in the blue pages of the phone book.
• Looking on the Social Security Administration website at
|IF YOU DO NOT SPEAK
The Social Security office can provide an interpreter free of charge to
help you apply for a Social Security number. Tell the person who answers
the phone at 1-800-772-1213 that you don’t speak English. They will find
an interpreter to help on the phone. You can also get help from an
interpreter when you visit the Social Security office.
The Social Security Administration website contains helpful information
for people new to the United States. A section of the website has
information about Social Security in 14 languages. Visit
You do not need to fill out an application or
go to a Social Security office to get a Social Security number if:
• You asked for a Social Security number or card when you applied for an
immigrant visa AND
• You applied for an immigrant visa in October, 2002 or later AND
• You were age 18 or older when you came to the United States.
AVOID IDENTITY THEFT
“Identity theft” means someone has stolen your personal information,
such as your Social Security or bank account number. They can use it to
take money from your bank account or get a credit card in your name.
Identity theft is a serious crime. Protect yourself by:
• Making sure you know and trust the people or businesses you give your
personal information to, especially on the phone or Internet.
• Leaving your Social Security card at home in a safe place. Do not
carry it with you.
• Carrying with you only the identification documents or credit cards
you need at the time. Leave the rest at home in a safe place.
• Tearing up or shredding any paper or forms with your personal
information on them before throwing them in the trash.
If you have a problem with identity theft, you can get help by calling
the Federal Trade Commission’s ID Theft Hotline at 1-877-438-4338. You
also can get information at
In this situation, the information needed to
assign you an SSN was sent by the Departments of State and Homeland Security
to the Social Security Administration. The Social Security Administration
will assign you an SSN and mail your SSN card to the same U.S. mailing
address where USCIS sends your Permanent Resident card. You should get your
SSN card within 3 weeks after you arrive in the U.S. Contact the Social
Security Administration if you do not get your card within 3 weeks after
coming to the U.S. or if you change your mailing address after you come to
the U.S. but before you receive your SSN card.
You must go to a Social Security office to get an SSN if:
• You did not ask for a Social Security number or card when you applied for
an immigrant visa OR
• You applied for your immigrant visa before October, 2002 OR
• You were under age 18 when you came to the U.S.
A Social Security representative will help you apply for an SSN. Bring these
documents with you when you go to the office to apply:
• A birth certificate or other document such as your passport showing when
and where you were born AND
• A document showing your immigration status, including your permission to
work in the U.S. This can be your Permanent Resident Card or passport with
an immigration stamp or label.
Your Social Security number will be sent to you in the mail. You should get
your Social Security card about 2 weeks after the Social Security
Administration has all documents needed for your application. If they need
to verify any of your documents, it may take longer to get your SSN.
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Taking Care of Your Money
Getting a Bank Account
A bank account is a safe place to keep your money. Banks have different
kinds of accounts. Checking accounts (for paying bills) and savings accounts
(for earning interest on your money) are two common ones. You can open an
account for yourself or a joint account with your spouse or another person.
Banks may charge you fees for some of their services.
Credit unions and savings and loan associations are other choices for
banking. Your employer may have a credit union that you can join. Credit
unions provide most of the same services as banks, but many offer extra
services. Compare the services, fees, hours, and locations of banks before
you open an account, so you can choose one that best meets your needs.
TIP: Many stores offer check-cashing services and overseas money-wiring
services, but these cost money. Check to see if your bank offers these
services at a lower cost.
KEEPING YOUR MONEY SAFE
It is not safe to leave large amounts of money in your house. It is also
not safe to carry around large amounts of cash. It could be stolen or
lost. Your money is protected if you put it in a bank that is a member
of the Federal Deposit Insurance Corporation (FDIC). The FDIC provides
banks with insurance to protect your money. If your bank closes, the
FDIC will pay you the amount of the money in your account up to
$100,000. Make sure the bank you choose has FDIC insurance.
When you open a bank account, you will be
asked to prove your identity. You can use your Permanent Resident Card or
driver’s license. You will also need to give the bank some money—called a
“deposit”—to put into your new account. After a few days, you can take money
out of your account. This is called “withdrawing” money. You can withdraw
money by writing a check, going to an Automatic Teller Machine (ATM), or
filling out a withdrawal form in the bank.
Using Your Bank Account
You can get money from your bank account using a personal check or ATM card.
Be sure that only you and, if you have one, your joint account holder have
access to your account.
Personal checks. You will get a supply of personal checks when you
open your checking account. These checks are forms that you fill out to pay
for something. Checks tell your bank to pay the person or business you have
written on the check. Keep these checks in a safe place.
ATM cards. You can ask your bank for an ATM card. This is a small
plastic card linked to your bank account. Use this card to get cash or
deposit money in your account at an ATM machine. Usually you do not pay a
fee for using your own bank’s ATM. You may pay a fee if you use an ATM at
The bank staff will show you how to use an ATM card and give you a special
number, called a PIN (“personal identification number”) to use at the ATM.
Be careful when using ATMs. Never give anyone your PIN number or ATM card.
They could use it to take money out of your account.
Debit cards. Your bank may give you a debit card to use for your
checking account. Sometimes your ATM card can also be used as a debit card.
Debit cards allow you to pay for something without writing a check by having
your bank send the money directly to the business you are buying from.
Bank checks. Bank checks are checks that the bank makes out at your
request. You give the bank money and they make out a bank check for that
amount of money to the person or business you want to send it to. Banks may
charge a fee for bank checks.
Credit cards—also called “charge cards”—allow you to make purchases and
pay for them later. Banks, stores, and gas stations are some businesses
that can give you a credit card. You get a bill in the mail each month
for purchases you have made with your credit card. If you pay the entire
amount on the bill when you get it, you do not have to pay interest. If
you do not pay the entire amount or if you send your payment late, you
will be charged interest and possibly an additional fee. Some credit
cards have very high interest rates.
Be careful about giving your credit card number to others, especially
over the phone or on the Internet. Be sure you know and trust the person
or business that asks for your number.
TIP: Check Credit Card Bills Carefully.
Check your credit card bill to make sure all the charges are correct. If you
see a charge that you did not make, call the credit card company
immediately. You usually do not have to pay for charges you did not make if
you tell the credit card company right away.
Write down the numbers for all bank accounts and debit, ATM, and credit
cards. Also write down the phone numbers of these companies. Keep this
information in a safe place. If your wallet is lost or stolen, you can call
the companies and cancel all your cards. This will keep someone else from
using your cards illegally.
YOUR CREDIT RATING
In the U.S., the way you handle your credit is very important. There are
organizations that create a “credit score” or “credit rating” for you
depending on how you pay bills, how many loans you take out, and other
factors. This credit rating is very important when you want to buy a
home or car or take out a loan. Here are some things you can do to get a
good credit rating:
• Pay all your bills on time.
• Keep your credit card balances low. Pay at least the minimum amount
due each month.
• Don’t apply for a lot of loans or credit cards.
Under federal law, you can get one free credit report once a year. If you would like to get a copy of your credit rating report, you can
call 1-877-322-8228 or go to http://www.annualcreditreport.com.
Depending on what state you live in, you may not be able to get the
free report until September 1, 2005. This is when people all over the
U.S. can get a free credit report.
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Looking for a Job
There are many ways to look for a job in the United States. To increase your
chances of finding a job, you can:
• Ask friends, neighbors, family, or others in your community about job
openings or good places to work.
• Look in the newspaper “Classifieds” section under “Employment.”
• Look for “Help Wanted” signs in the windows of local businesses.
• Go to the Employment or Human Resources offices of businesses in your area
to ask about job openings.
• Visit community agencies that help immigrants find jobs or job training
• Check bulletin boards in local libraries, grocery stores, and community
centers for notices of job openings.
• Check with the department of employment services for your state.
• Search for jobs on the Internet. If you are using a computer at your
library, the library staff can help you get started.
Applying for a Job
Most employers will ask you to fill out a job application. This is a form
with questions about your address, education, and past work experience. It
may also ask for information about people you have worked with in the past.
These are called “references,” and the employer may want to call them to ask
questions about you.
You may need to create a “resumé” with a list of your work experiences. A
resumé tells your employer about your past jobs, your education or training,
and your job skills. Take your
resumé when you apply for work.
• Has your name, address, and phone number.
• Lists your past jobs and includes dates you worked.
• Shows your level of education.
• Shows any special skills you have.
• Is easy to read and has no mistakes.
Check with local community service agencies to see if they can help you
resumé. Private businesses can help with this, too, but they charge
|WHAT ARE BENEFITS?
In addition to your pay, some employers provide extra employment
“benefits.” Benefits may include:
• Medical care.
• Dental care.
• Eye care.
• Life insurance.
• Retirement plan.
Employers may pay some or all of the costs of these benefits. Ask about
the benefits your employer will provide.
The Job Interview
Employers may want to meet with you to talk about the job. They will ask
about your past work and your skills. You can practice answering questions
about your past work and your skills with a friend or family member so you
will be ready. You can also ask questions of the employer. This is a good
chance to find out about the job.
You may want to ask:
• What are the hours of work?
• How much does the job pay? (U.S. law requires most employers to pay a
“minimum wage,” which is the lowest wage permitted.)
• How many vacation days are there?
• How many sick days are there?
• What benefits come with the job?
During the interview, an employer can ask you many questions. But employers
are not allowed to ask some questions. No one should ask you about your
race, color, sex, marriage, religion, country of origin, age, or any
disability you may have.
|KNOW YOUR RIGHTS:
FEDERAL LAWS PROTECT EMPLOYEES
Several federal laws forbid employers from discriminating against people
looking for a job. The United
States has laws forbidding discrimination because of:
• Race, color, religion, country of origin, and sex (Civil Rights Act).
• Age (Age Discrimination in Employment Act).
• Disabilities (Americans with Disabilities Act).
• Sex (Equal Pay Act).
For more information about these protections, visit the U.S. Equal
Employment Opportunity Commission website at
http://www.eeoc.gov or call
1-800-669-4000 and 1-800-669-6820 (for hearing impaired).
Other laws help keep work places safe, provide for leave in cases of
family or medical emergencies, and provide temporary funds for
unemployed workers. Visit the U.S. Department of Labor website at
http://www.dol.gov for more information
about workers’ rights.
What to Expect When You Are Hired
When you go to your new job for the first time, you will be asked to fill
out some forms. These include:
• Form I-9, the Employment Eligibility
Verification Form. By law, your employer must check to see that all newly
hired workers are eligible to work in the U.S. On your first day of work,
you will need to fill in the I-9 form. Within 3 business days, you must show
your employer your identity documents and work authorization documents. You
can choose what documents to show as proof of your right to work in the
U.S., as long as the document is listed on the I-9 form. The list of
acceptable documents is on the back of the I-9 form. Examples of acceptable
documents are your Permanent Resident Card or an unrestricted Social
Security number card in combination with a state-issued driver’s license.
• Form W-4, Employee’s Withholding Allowance Certificate. Your employer
should take federal taxes from your paycheck to send to the government. This
is called “withholding tax.” Form W-4 tells your employer to withhold taxes
and helps you figure out the right amount to withhold.
• Other Forms. You may also need to fill out a tax withholding form for the
state you live in and forms so that you can get benefits.
You may be paid each week, every two weeks,
or once a month. Your paycheck will show the amount taken out for federal
and state taxes, Social Security taxes, and any employment benefits you pay. Some employers will send your pay directly to your bank; this is called
Speaking English at Work
If you do not speak English, try to learn it as soon as possible. You can
find free or low-cost English language classes in your community, often
through the local public schools or community college. Knowing English will
help you in your job, your community, and your daily life. See page
60 for more information on learning English.
If your employer says you must speak English at work, he or she must show
that speaking English is required for you to do your job correctly. Your
employer must also tell you that English is required before you are hired.
If your employer cannot show that speaking English is required for your job,
he or she may be breaking a federal law. If you need assistance or more
information, you can contact the U.S. Equal Employment Opportunity
Commission (EEOC) (call 1-800-669-4000 or 1-800-669-6820 (hearing impaired)
or go to http://www.eeoc.gov.)
|FEDERAL PROTECTION FOR
Federal law says that employers cannot discriminate against you because of your immigration status. Employers cannot:
• Refuse to hire you, or fire you, because of your immigration status or because you are not a U.S. citizen.
• Require you to show a Permanent Resident Card, or reject your lawful work papers.
• Prefer hiring undocumented workers.
• Discriminate against you because of your national origin (or country of origin).
• Retaliate against any employee who complains of the above treatment.
For more information about your rights, or to file a complaint, call the Office of Special Counsel
at 1-800-255-7688 or 1-800-237-2515 (for hearing impaired). If you do not speak English, interpreters are
available to help you. You also can visit http://www.usdoj.gov/crt.osc for more information.
Drug Tests and Background Checks
For some jobs, you may be required to take a test to make sure you are not
using illegal drugs. Some jobs require that you have a background check, an
investigation into your past activities and present circumstances.
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Taxes are money paid by U.S. citizens and residents to federal, state, and
local governments. Taxes pay for services provided by the government. There
are different types of taxes, such as income tax, sales tax, and property
Income tax. Income tax is paid to federal, most state, and some local
governments. “Taxable income” is money that you get from wages,
self-employment, tips, and the sale of property. Most people pay income
taxes by having money withheld from their paycheck. The amount of income tax
you must pay depends on how much you earn. Income tax rates are lower for
people who make less money. Anyone who earns income, resides in the United
States, and meets certain requirements needs to file a tax return and pay
any taxes they owe.
The Internal Revenue Service (IRS) is the federal agency that collects
income tax. Taxpayers file a federal “income tax return” Form 1040 with the
IRS each year. Your tax return tells the government how much you
earned and how much in taxes was taken out of your paycheck. If you had too
much taken out of your paycheck, you will get a refund. If you did not have
enough taken out of your paycheck, you must send a payment to the IRS.
Social Security and Medicare taxes.
These federal taxes are withheld from your paycheck. Social Security
provides benefits for certain retired workers and their families; certain
disabled workers and their families; and certain family members of deceased
workers. Medicare taxes pay for medical services for most people over age
65. In most cases, you must work a total of 10 years (or 40 quarters) over
the course of your life to get Social Security retirement benefits and
Medicare benefits. You may need fewer than 10 years of work to get
disability benefits or for your family to get survivors’ benefits based on
Sales taxes. Sales taxes are state and local taxes. These taxes are
added to the cost of buying certain things. Sales taxes are based on the
cost of the item. Sales taxes help pay for services provided by state and
local government, such as roads, police, and firemen.
Property taxes. These are state and local taxes on your house and
land. In most places, property taxes help support local public schools and
|YOUR W-2 FORM: WAGE AND
A W-2 is a federal form that lists your earnings and the taxes you paid
for the last tax year. A tax year is from January 1 to December 31 of
each year. By law, your employer must send you a W-2 form by January 31
each year. You will receive a W-2 form for each job you have. You must
send a copy of your W-2 form with your federal income tax return to the
IRS. If you live or work in a state that collects income tax, you must
send a copy of your W-2 with your state income tax return.
Getting Help With Your Taxes
As an LPR, you are required to file a federal income tax return every year.
This return covers your earnings for January to December of the past year.
You must file your return by April 15 of the next year. You can get free
help with your tax return at an IRS Taxpayer Assistance Center. You don’t
need to call ahead.
Taxpayer Assistance Centers are located in communities across the United
States. To find the Taxpayer Assistance Center where you live, visit
http://www.irs.gov/localcontacts/index.html. To get help by phone,
call the IRS at 1-800-829-1040.
HOW GOVERNMENT WORKS FOR
Taxes pay for the services the federal government provides to the people
of the United States. Some examples of these services are:
• Keeping our country safe and secure.
• Curing and preventing diseases through research.
• Protecting our money in banks by insuring it.
• Educating children and adults.
• Building and maintaining our roads and highways.
• Providing medical services for the poor and elderly.
• Giving emergency help when natural disasters strike, such as
hurricanes, floods, or earthquakes.
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Traveling in the United States
There are many ways to travel in the United States. Many cities have buses,
trains (also called “subways”), trolleys, or streetcars. Anyone can ride
these vehicles for a small fee. In some places, you can buy a card good for
several trips on subways or buses. You can also pay for each trip
separately. Taxicabs, or “taxis,” are cars that take you where you want to
go for a fee. Taxis are more expensive than other types of public
Getting a Driver’s License
It is against the law to drive without a driver’s license. You must apply
for and get a driver’s license if you want to drive. You get your driver’s
license from the state where you live.
Check with the state office that issues driver’s licenses to find out how to
get one. These offices have different names in each state. Some common names
are Department of Motor Vehicles, Department of Transportation, Motor
Vehicle Administration, or Department of Public Safety. You can find these
offices in the blue pages of the phone book or get more information at
SHOULD I BUY A CAR?
Owning a car can be a convenient way to get around. In the U.S., you
must also pay for car insurance, registering your vehicle, and licenses.
Heavy traffic can make driving difficult in some cities. Think of all
the costs and benefits before you decide to buy a car.
Some LPRs already have a driver’s license
from another country. You may be able to trade this for a license in your
state. Check with your state office to see if you can do this.
|10 TIPS FOR DRIVING
SAFELY IN THE U.S.
• Drive on the right-hand side of the road.
• Always have your driver’s license and insurance card with you.
• Always wear your seat belt.
• Use proper seat belts and car safety seats for children.
• Use your car’s signals to show if you are turning left or right.
• Obey all traffic laws and signals.
• Pull over to the side of the road if an emergency vehicle—police car,
fire truck, or ambulance—needs to pass you.
• Do not pass a school bus when its red lights are flashing.
• Do not drive if you have been drinking or taking drugs.
• Be very careful when driving in fog, ice, rain, or snow.
TIP: A driver’s license is used for identification in the United
States. It’s a good idea to get one even if you don’t own a car.
If you do not know how to drive, you can take driving lessons. Many public
school districts have classes in “driver education.” You can also look under
“Driving Instruction” in the yellow pages of the phone book.
TIP: Hitchhiking is not common in the United States. In many places, it
is illegal. For safety reasons, do not hitchhike and do not give rides to
For bus travel: Greyhound 1-800-229-9424 or
For train travel: Amtrak 1-800-872-7245 or
For air travel: There are many airlines in the U.S. Look in your phone
book yellow pages under “Airlines.”
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Taking Care of Your Health
People in the U.S. pay for their own medical care. Medical care is
expensive, so many people buy health insurance. You should get health
insurance for yourself and your family as soon as possible.
Employers may offer health insurance as a benefit to their employees. Some
employers pay all of your monthly health insurance fee, and some pay only
part of the fee. This monthly fee is called a “premium.” You may need to pay
part of the premium. Usually, employers will deduct the employee’s part of
the premium from their paycheck.
Doctors send their bills to your health insurance company. The health
insurance company will pay for some or all of your medical services. Often
you must pay a portion of your medical bills. This is sometimes called a
If you do not have health insurance, you may be able to get federal or state
healthcare assistance. In general, most states provide some type of
assistance to children and pregnant women. Check with the public health
department of your state or town.
If you need urgent medical care, you can go to the emergency room of the
nearest hospital. Most hospitals are required by federal law to treat
patients with a medical emergency even if the person cannot pay.
FINDING A CLINIC OR
OTHER LOW-COST HEALTHCARE
Clinics are medical offices that provide free or low-cost services. Most
communities have at least one clinic.
Community organizations that work with immigrants may know of a low-cost
or free clinic in your area.
The U.S. Department of Health and Human Services also provides basic
healthcare to immigrants. They have a website that lists clinics and
other healthcare choices. To find a clinic or doctor near you, visit
http://ask.hrsa.gov/pc/. Type in
your state or zip code to get the information. You can also look in the
yellow pages under “Social Services.”
Federal and State Health Programs
Medicaid is a joint federal/state program for low-income people. Each
state has its own Medicaid guidelines. Medicaid pays for medical services,
such as visits to the doctor and hospitalization. LPRs who entered the U.S.
before August 22, 1996 may be able to get Medicaid if they meet certain
conditions. LPRs who entered the U.S. on or after August 22, 1996 may be
able to get Medicaid if they have lived in the U.S. for 5 years or longer
and meet certain conditions.
Medicare is a health insurance program for people 65 years of age or
older or who have specific disabilities. Medicare pays for services if you
are sick or injured, but does not pay for routine care (such as check-ups
with your doctor), dental care, or eye care. Medicare allows the use of
discount drug cards for people enrolled in Medicare. These cards may help
you save money when you buy prescription drugs. If you are eligible for
Medicare, you may be able to get one of these discount cards.
|MORE INFORMATION ABOUT
MEDICAID AND MEDICARE
Contact the Social Security Administration at 1-800-772-1213 or the
Centers for Medicare and Medicaid Service website at
Medicare has two parts, Part A and Part B.
Part A is free and pays for hospital care and nursing homes certified by
Medicare. Part B pays for visits to the doctor, ambulances, tests, and
outpatient hospital care. For Part B, you pay a monthly fee.
LPRs can get Medicare Part A and Part B if they meet certain conditions.
Those who are 65 and older are automatically in Medicare when they start
getting Social Security retirement benefits. If you are not 65 but are
eligible for other reasons, call the Social Security office near you for
information about enrolling. Generally, you must have worked in the U.S. for
10 years (or 40 quarters) over the course of your life to get these Medicare
State Children’s Health Insurance Program (SCHIP)
Your children may be able to get free or low-cost healthcare if you meet
certain conditions. Every state has a health insurance program for infants,
children, and teenagers. The insurance pays for doctor visits, prescription
medicines, hospital care, and other healthcare services. In most states,
children 18 and younger without health insurance whose families meet certain
income limits are eligible. Children can get free or low-cost healthcare
without affecting their parents’ immigration status.
|MORE INFORMATION ABOUT
Each state has its own SCHIP rules. You need to find out about the
program in your state. For information about SCHIP in your state,
call 1-877-543-7669 or visit
http://www.insurekidsnow.gov and enter the name of your state.
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Other Federal Benefits Programs
You or members of your family may be eligible for other federal benefits,
depending on your immigration status, length of time in the U.S., and
The Food Stamp Program
Some low-income, immigrants and immigrant children may be
eligible for food stamp assistance, depending on their immigration status,
length of time in the U.S., and income. Food stamps allow you to obtain some
foods free at grocery stores. Some states may have their own state-funded
food stamp programs with different rules for eligibility. For information on
federal food stamp eligibility from the U.S. Food and Nutrition Service in
34 different languages, visit
Services for Survivors of Domestic Violence
Immigrants and their children who are survivors of domestic violence may be
eligible for federal benefits and services, such as battered women’s
shelters or food stamps. For more information on these services from the
U.S. Department of Health and Human Services, visit
Temporary Assistance for Needy Families (TANF)
Temporary Assistance for Needy Families is a federal program that gives
money to states to provide assistance and work opportunities for low-income
families. Immigrants may be eligible, depending on their immigration status,
length of time in the U.S., and income. Programs differ by state and some
states have their own state-funded assistance program. For links and
information on TANF, visit
Assistance for Disabled Immigrants
Immigrants with disabilities may be eligible for Medicaid, food stamps, and
Supplemental Security Income, depending upon their immigration status,
length of time in the U.S., and income. For more information on Medicaid and
food stamps, see above. For information about Supplemental Security Income,
One-Stop Career Centers
The federal government funds career centers that offer training referrals,
career counseling, job listings, and other employment-related services.
English as a Second Language classes and job skills training are also
offered to immigrants, depending on their immigration status and income, at
some of these centers. For information on One-Stop Career Centers throughout
the U.S., visit
TIP: You can visit
http://www.govbenefits.gov to find out about services that might be
available to you.
About The Author
The Office of Citizenship of the USCIS works to promote an understanding of the civic principles on which this nation was founded and increase public awareness of the benefits and responsibilities associated with U.S. Citizenship.
The opinions expressed in this article do not necessarily reflect the opinion of ILW.COM.
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