Ask Larry

Does The $18,960 Earned Income Limit Just Apply To Spouses?

The social security website says on survivor benefits the income earned limit is $18,960. Is this just for spouses or adult children receiving benefits under a deceased parent as well?

Hi. The Social Security earnings test to which you refer applies to anyone receiving non-disability benefits prior to their full retirement age (FRA). People receiving disability benefits, including those receiving disabled adult child's benefits and disabled widow's benefits, are subject to a different and more restrictive earnings limit. For detailed information on earnings limits for people collecting disability benefits, refer to the following Social Security publication:

Best, Jerry

Jun 10 2021 - 2:41pm
MaxiFi software running on a laptop
Get What's Yours!
Discover tens of thousands in extra retirement dollars with Maximize My Social Security software!
  • Find your maximized strategy
  • Unlimited what-ifs
  • Step-by-Step filing instructions
  • Our software's lifetime-benefit increase for an illustrative couple earning $65K each and planning to take retirement benefits at 62.

    Results will differ based on your specific case and filing strategy.

Getting Started is Easy
Web-based software. Works on ALL browsers. No download.
$40 Annual Household License
$250 Annual Financial Advisor License