If I opt to collect social security at age 65 and continue to work earning the $17K exempt amount - is the $17K a gross amount or net amount? I've been looking everywhere and can't find the answer.

Thanks!

Hi,

The actual earnings test exempt amount in 2019 is $17,040, and that includes any combination of gross wages and/or net earnings from self employment (https://www.ssa.gov/planners/retire/whileworking.html).

Before you decide when to apply for benefits, you should strongly consider using our software to compare your options and determine your best filing strategy.

Best, Jerry