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If I am still working and file 1099, what’s the best route to still pay into Social security?

Hello, Thank you for reaching out with your question about paying into Social Security while working as a 1099 independent contractor. As a self-employed individual filing a 1099, you are responsible for paying Social Security and Medicare taxes through self-employment taxes. This is done by filing an IRS Schedule SE (Form 1040) to report your…

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If my spousal benefit is reduced due to the earnings limit, will my daughter’s benefit increase?

Full question: I am 63 and drawing child-in- care benefits from my husband’s record. Because our 31 year old disabled daughter and I both draw from husbands record, the amounts are limited to the family maximum. If I earn over the earnings limit in 2025, and my benefits are cut, will our daughter’s benefits be…

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Am I eligible for child-in-care spousal benefits?

Full question: I am divorced age 50 with minor children. My ex spouse is 66 so the children ages 11 and 13 are eligible for benefits too. As the ex do I have benefits as the kids mom and if so do the income thresholds apply? Hello, As the mother of your ex-spouse’s minor children,…

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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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