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Earnings Test

When Will Social Security Withhold My Benefits If I Earn More Than The Limit?

Started get early SS benefits at 62.5 and my 15 year old daughters benefits, in April 2018. I am reaching the work threshold of $17040.00 for this year. What to keep working but i'm confused when the overage will be taken out or withheld.( $1 for every $2 over) And will I receive that money at full retirement age? Confusing stuff.



Hi Denny,

Saturday, July 7, 2018 - 09:20

What Happens To My Benefits For The Remainder Of 2018?

My husband started collecting his social security at age 62. He became deceased in April 2018 at age 63. I want to file for my widow benefits. A currently make $28,000 annually (part time). I understand that I will not receive benefits of approx. 5,500, because I am over the income limit of 17,040.00. I was told that Soc. Sec would set it up on an annual basis and I would not receive benefits for approx. 3 months. Then receive for the remainder of the year.

Monday, July 2, 2018 - 14:20

Can I Draw Benefits Until My Earnings Reach $17,040?

Widows benefit. The max income you can earn is $17,040.00. I make more than that but I want to receive the benefit checks up untill I reach that gross income amount. Then stop receiving the checks each year to avoid taxes & affecting my future benefit. So basically I would only collect about 6 months every year starting at age 60. Can you let me know if I can do it that way? I would of course talk to SS to go over each avenue available to see if waiting to collect would be that much more beneficial. Thank you.


Sunday, July 1, 2018 - 09:34

How Will My Return To Work Affect My Survivor Benefits?

My husband passed away in November of 2017 at 67. He was receiving SS benefits at the time. I claimed the survivor benefits at 60 and I am 61 now. We were planning on moving to Las Vegas, which I went ahead and did. I haven't worked since September of 2017. I started working at the end of June 2018. How will this effect my survivor benefits?


I'm sorry for your loss.

Sunday, July 1, 2018 - 09:26

If I Switch To Survivor Benefits Will I Permanently Lose Benefits Withheld Due To The Earnings Test?

My husband died 2 years ago at age 73 when I was 61. I am currently receiving my own reduced social security benefit which I chose to start at age 62 and will then switch to take the survivor benefit at age 66 (which will be a much higher amount than my own). If I start earning more income from employment now at age 63 that would be subject to the social security earnings test, my understanding is the amount withheld from my benefit due to earnings test would be "paid back" over time later.

Thursday, June 28, 2018 - 07:58

Which Of These Earnings Test Applications Is Correct?

How do the annual and monthly earnings limits get applied if someone applies mid-year in the year in which (but before the month in which) they reach full retirement age, when their earnings through the month before their birth month already exceed the FRA-year earnings limit? In particular, when a third of the excess would already be more than the total of the benefits for the months remaining until the birth month? In that situation, is there any possible reason to file early instead of waiting until the birth month?

Tuesday, June 26, 2018 - 18:17

Is My Strategy Sound?

I'm going to start my SSI when I turn 65 (April 1 2019), and intend to work for an additional 3 months for a total of $8,000 (well below the $17,040 yearly limit), after that I'll have little to no income other than camp hosting somewhere (little to no pay for that, just free campsite & utilities), I will make sure income stays below $17,040 for the months April - Dec. and not utilize the special one time rule, thus not limiting me to the monthly income test.

Tuesday, June 26, 2018 - 09:18

How Much Can I Make In The Months Before I Reach Full Retirement Age?

I will turn 66 on april 13, 2019 will social security adjust how much I can make for the first 3 months of the year?


If you just want to draw benefits starting with April 2019, it won't matter how much you earn in the first 3 months of 2019. But, if you want to draw reduced benefits starting with January 2019, you'll need to earn less than the 2019 exempt amount in the first 3 months of next year. The exempt amount for people reaching full retirement age in 2018 is $45,360, so it should be at least that much in 2019.

Thursday, June 21, 2018 - 06:50

How Much Money Is My Grandson Allowed To Make?

I am raising my grandson who father died when he was nine--He receives around 600.00 a month benefits from Social Security. He just got a part time job and makes around 600.00 a month. How much money is he allowed to make- I don't want him to lose his benefits or insurance- He will be 17 in July-Thanks


Your grandson could earn up to $17,040 this year without losing any of his benefits (

Best, Jerry

Tuesday, June 19, 2018 - 17:20
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