Americans working at MBB/Tier 2 in the ME, do you get the same non-cash benefits as in the US?

hi! 

Great questions! Here's a quick overview:

1. Non-cash benefits in the Middle East (ME) usually follow local office policies, not US ones. That means:
   • Maternity/paternity leave: Varies by country and firm, usually less generous than the US (especially vs. top-tier US benefits).
   • 401K: No, you typically won’t get a 401K abroad.
   • Health insurance: Yes, but it's through local providers—often very solid in the ME region.
   • US-specific perks (like gym reimbursements, fertility benefits, etc.) may not apply.
2. Taxes: As a US citizen:
   • You must still file US taxes every year.
   • You can use FEIE (~$126k exemption in 2025) and Foreign Housing Exclusion, but only the amount actually spent on housing is excluded.
   • You still owe Social Security and Medicare (FICA) if you're paid by a US entity, but not if you're hired by a local ME office (e.g., via BCG Dubai payroll).

Let me know if you want help optimizing your setup or choosing an office!

Best,
Alessa :)

Hello there,

I would suggest you to reach out to a North American consultant working in ME through LinkedIn to have those questions answered faster. Ask for a coffee chat and casually mention them.

Best,

Mari

Hi there,

The benefits are office dependent, so even if you are American and work in a ME office, you will receive ME office benefits (financial and non-financial). 

In terms of taxation, it's best if you check with a tax advisor from the US. I believe the US has a special status in this sense. The earlier you figure out the better and the more peace of mind you'll have.

Best,
Cristian

Normally benefits are assigned on a regional level. I would suggest speaking to a tax advisor as well, since these things are often a bit hard to navigate on your own.

Hi there,

I would be happy to share my thoughts on your questions:

• First of all, you could, of course, not receive US non-cash benefits because you would not be employed in the US but in a Middle Eastern country. However, consulting firms typically align their compensation and perks packages globally.
• Moreover, regarding your question about the housing allowance, I would strongly advise you to reach out to a tax advisor to determine whether you would even continue to be taxable in the US.

You can find more on this topic here: Salaries in the consulting industry.

If you would like a more detailed discussion on your specific situation, please don't hesitate to contact me directly.

Best,

Hagen