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How do I fix an issue with an IRMAA penalty?

Full question: I recently retired and got a letter claiming i was getting an IRMAA penalty based upon income from 2 years ago – but my current income is now 1/3 of what i made now that I’m retired. How do I fix this issue? Hi there, You can request to lower the IRMAA by…

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What are the current earnings test threshold limits?

Full question: Is it true that if I collect my husband’s survivor benefits at 60 I can only make $23,500 a year in my income or I have to pay $2.00 for every dollar over that amount? Hi there, If you claim the survivor benefits before your FRA, the SSA will withhold a certain amount…

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Can I claim survivor benefits now and switch to my own benefit later?

Full question: My wife passed in 2016 she was 53. I’m 63 and still working. Can I claim her benefits now and then claim mine at 70? Hi there, Yes, you are eligible to claim the survivor benefits based on her earnings record any time after age 60 and then switch over to your retirement…

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Will my daughter’s benefit increase if my wife suspends her payments?

Full question: My wife receives a spouse with child-in-care payment based on my work record. Currently both her and my child’s payments are reduced due to the family maximum. My wife is going back to work and will suspend her payments because her income will far exceed the max allowed. Will Social Security restore my…

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Do I need to share my self-employment earnings with Social Security Administration?

Full question: I’ve worked for corporations since 1975 and have SSA earned income from those jobs. I also own a small business (since 1994, LLC with average total income $5k per year) that rarely shows a profit. Do I need to include that as ‘self employment’ if I have no earned income from the business?…

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How do I get the money back that was withheld from the earnings test?

Full question: When Social Security benefits are paid back due to the earnings limits, how are these dollars recouped later? Hi there, It sounds like you are affected by the earnings test, which applies to those who are: Younger than their full retirement age, FRA, Still working, and Also collecting retirement benefits. If the earnings…

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