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…

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…

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…

Full question: I want to work and collect Social Security. My FRA is August 2026. I need to make $700 per month over the $1,860/month limit because I need to cover medical benefits for my husband and myself. That equals $350/month penalty. How many security checks will be withheld to offset the penalty? Hi there,…

Full question: I work pastime. I am receiving SS retirement. They take out SS every payday. Will this be added to my benefits at the end of the year? Hi there, It sounds like you are affected by the earnings test, which applies to those who are 1. Younger than their full retirement age, FRA,…

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…