Thank you for your answer Larry. There was one other question I had and forgot to ask you.
If I am under full retirement age and am collecting spousal social security I understand I can work in the US during this time with no clawback if my salary is less than $19,560 in the US. However if you are working in Canada it is 45 hours in a month. I am on a commission job (realtor) in Canada. Do you know how they calculate the 45 hours because my pay checks are not hourly. I would like to continue to work the max I can during this time but nobody has been able to tell me a dollar amount just and hour amount which is confusing with my job.
Thank you
Karin

Hi Karin. Work in any country other than the U.S., including Canada, falls under the foreign work test. Basically, if you work in Canada while you're under full retirement age (FRA), you can't be paid for any month that you work more than 45 hours. Self-employed individuals must count all hours that they are available, or holding themselves out as being available, to perform services in their business. For clarification, refer to the examples in the following section of Social Security's operations manual: https://secure.ssa.gov/apps10/poms.nsf/lnx/0302605005#d2.

Best, Jerry