My husband wants to start taking his soc sec benefits at age 63. We understand he can earn up to $16,920 before his soc sec will be docked accordingly and we understand the income tax ramifications of filing jointly and making more than $44K. I am slightly younger and want to work for 5 more years. Will my earnings affect his soc sec benefit payments?? Can't find the answer anywhere on the soc sec website!

Hi,

No, your earnings would not count toward the $16,920 exempt amount that your husband is allowed to earn without affecting his benefits. Before he files, however, he should consider running the maximization software available on this website in order to explore all of his options.

Best, Jerry