Ask Larry

Earnings Test

Am I Right That I Can Start Survivor Benefits When I Reach Age 66 And Not Be Subject To The Earnings Test?

Hi Larry,
I’m a little confused about applying for survivors benefits in my age range.
I am a widow who will be 66 on March 2022. My social security FRA is four months after that.
As a medical professional and based on the S.S. earnings test, I currently earn too much to receive either my own or survivors benefits. In 2020 or 2021.
Am I correct that I can start survivor benefits on my at 66, in March 2022 and not be subject to an earnings test because of the lower age threshold for the 100% widows benefit rate?

Sunday, March 14, 2021 - 15:46

If My Benefits Are Withheld Due To My Earnings, What Months Could My Family Members Be Paid?

I am contemplating applying for early SS retirement benefits. I am 65. My wife does not work. She cares for our three children under 4 years old and is 38.
I will continue to work for three years or so.
I understand that if I get any of my benefit (after the earnings test reduction), my family will get their benefit.
I would probably get a large reduction in benefit that would leave me with benefits paid for one month.. Dec only.
My question is, will my family get their benefits just for Dec or for each month in the year?

Thursday, March 11, 2021 - 16:06

Will My Pensions Be Considered

I am a 62 year old receiving widows benefits for two years. I’m able to receive a pension from Chrysler and K mart Headquarters when I reach 65. Will these pensions be considered income regarding the social security earnings test? I understand if I work I cannot make anything over $19,600.00 approx. My full retirement age is 66 years and 10 months. Second question...I grossed 15,0000.00 in 2020. I also received 10,000.00 in unemployment due to my place of work shut down due to the COVID pandemic for a few months. Do I owe social security anything for 2020?

Wednesday, March 10, 2021 - 07:14

What Went Wrong Here?

Hi - I retired from the federal government in Nov 2020. I also turned 62 in Nov 2020 and filed to receive social security benefits. I used the MySocialSecurity website to file my application for retirement benefits online and got a letter from SSA in Sep 2020 stating my benefits would start in Dec 2020 and I would be paid around Jan 12, 2021. And monthly benefits would be paid around second Wednesday every month. So far so good.

Wednesday, February 17, 2021 - 18:14

If I Start Drawing My Benefits In June 2021 How Much Will I Actually Be Able To Keep?

My wife is retiring at 62 this June and thinking about starting her SS and pulling her pension then. If I start drawing ss at 65 this June and am still working how much will i actually be able to keep compared to waiting till my full retirement of 66 & 4 months. Thanks


Wednesday, February 10, 2021 - 15:30

Would Social Security Withhold My Husband's Benefits Due To His Earnings From January To March?

Hi Larry, both my husband and I will be laid off in the very near future. Husband is going to file application to collect social security retirement benefits. He would like to begin collecting either in January 2021, February 2021, March 2021 or April 2021 depending on what you might be able to tell us. Hi is 65, and would reach FRA on Sept. 4, 2021 (birthday is 7/4/1955).

Our daughter is 11 years old. I will be 49 years old this January 12, 2021.

Thursday, January 7, 2021 - 17:24

Does Social Security Count Gross Annual Earnings Or Is It Monthly?

Hi Larry,

I cannot get a straight and accurate answer from Social Security to save my life.

I took early retirement in 2019 at age 63, in March. I thought I understood the earnings limit, and had no idea that Restricted Stock Units (given in 2017) would be included in my W2 as total wages, as well as past earned vacation pay and sick time carried over from 2018 to 2019.

Thursday, December 10, 2020 - 15:06

Is It Correct That It Won't Count Toward The Earnings Limit If I Take Vacation Pay?

I am retiring on December 15th. I will receive my first social security check the 3rd week of January. I was told that I could only make around $1500 in December in order to get my full social security check in January. I figured out I would be making too much money so I was told that if I took a couple of days of vacation that the vacation pay would not count toward that $1500. Is that correct? I also get a travel reimbursement for days worked if I want it. Would this travel reimbursement count toward the $1500? If so I could forego that. Please advise.

Tuesday, December 1, 2020 - 15:09
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