Earnings And SSA Survivors Benefits

Q: Does the annual earnings test apply to survivor benefits? A: Yes, most of the time. In general, annual earnings test levels apply to anyone younger than full retirement age (FRA) and receiving Social Security benefits unless that person receives benefits because of his or her own disability. This applies even if a person receives…
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Use The Social Security Retirement Planner

Do you plan to file for Social Security retirement within the next few years? The SSA website has plenty of information to help you get ready. Social Security was never intended to provide your full retirement income. Under current law, Social Security retirement benefits will replace about 40 percent of your pre-retirement earnings if you…
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You Earned Over Your Annual Earnings Limit. Now What?

Q: I worked more than expected and earned over my 2015 earnings limit. What is my next step? A: Earnings limit information for people receiving Social Security retirement or survivors benefits is here. Earning test levels for 2016 are the same as 2015. The annual earnings test no longer applies once you reach full retirement…
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Spousal Child-in-care Benefits

Q: I recently reached age 62 and start early Social Security in January. I will also receive dependent benefits for our 17-year-old son who is in high school and lives at home. Can my wife receive Social Security on my record now because our son will? She is in her 50’s and working. A: Based…
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Retirement Earnings Test Amounts For 2016

Q: Is the amount I can earn in 2016 before my Social Security retirement is reduced known yet? A: Yes. The 2016 amounts will be the same as for 2015. They are not changing. The annual retirement earnings test concerns how your own employment earnings in a year affect your Social Security in that year.…
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