Full question: I just turned 65 and my husband passed away seven months ago at age 66. He was collecting Social Security Disability Insurance, SSDI. The Social Security Administration withheld the first two months of my benefits because I made too much money. My only income is from being caregiver to my granddaughter who is disabled. I recently received a letter asking for the amount I will receive for 2024 and 2025. Do I claim the amount that I make to care for my granddaughter as income? They told me I won’t get full benefits until May 2026 when I’m eligible for retirement.

Hi there,

There is a rule called the earnings test that applies to anyone who is younger than their full retirement age, FRA, collecting a Social Security benefit and also still working. Since you are receiving payment for caregiving, that income is generally considered earned income to the SSA.

Your FRA is 66 and 10 months and that will be in May 2026. Therefore, in 2026, the earnings test will only apply to your earnings for January through April and is a much higher amount during these last months. Make your best guess on what you will earn in 2024 and 2025. The SSA will adjust your Social Security checks as needed. When you turn FRA, your survivor benefit will be adjusted to account for the amount that the SSA withheld.

For personalized support, you can work with an RSSA here.

All the best,
Martha

Schedule Appointment
Back to All