portrait of a young couple and their son standing in a cemetery

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…
Read More

Can I Apply For Social Security Disability If Working?

Q: Can someone who is disabled but working full time apply for Social Security Disability? A: The Social Security definition of disability is based on ability to work plus other requirements. Shown below, see the steps followed in making a disability decision and note that three of the five basic questions involve ability to work.…
Read More

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…
Read More

Can I Own A Home And Receive SSA Disability?

Q: Can I own a home and receive SSA disability? A: Yes. Social Security benefits are not based on your income, resources or overall family financial status. If work, medical and other requirements are met, you can receive SSA disability. For purposes of keeping your benefit record current, some changes need to be reported to…
Read More

Using 2015 Earnings For 2016 Retirement Benefits

Q: I am working through December and have completed my Social Security online application to start retirement in 2016. Will 2015 earnings be used to determine my retirement amount? A: Your best 35 earning years, adjusted for inflation, are used to compute your SSA retirement amount. Assuming your 2015 earnings are one of these best…
Read More