I have been receiving survivor’s benefits for the past 3 years. I still work, so some of the benefits have been withheld. I will be 66 next month. My question is, is my full retirement age 66 since I’m receiving survivors benefits or 66 and 2 months?

Hi. Without knowing your year of birth I can't give you a definitive answer. Here's what I can tell you. People born in the years 1955 through 1961 have a different full retirement age (FRA) for Social Security retirement benefits than their FRA for survivor benefits. For those people, their FRA for survivor benefits can be from 2 to 4 months earlier than their FRA for retirement benefits.

However, the earlier FRA that applies in some cases to survivor benefits only affects the reduction percentage applied to the person's survivor benefit rate. For Social Security earnings test purposes, the person's retirement benefit FRA is controlling even if they are collecting survivor benefits. So, if your FRA for survivor benefits is 66 but your FRA for retirement benefits is 66 & 2 months, then the first month that the Social Security earnings test would no longer apply to you is the month you reach age 66 & 2 months.

Best, Jerry