Full question: I turn 62 in January 2023 and want to collect Social Security. I have earned $55,000 in 2022. How will that affect my benefit in 2023? Hello, If you have earnings in 2022, but do not file until 2023, your earnings for 2022 will not impact your benefits. However, if you decide to…

Full question: My husband is 66 years old and disabled, not enough credits or he has only 36 credits working history. I’m 57 and still working. Is my husband qualified to receive spousal benefits? Hello, I am assuming your husband is NOT collecting Social Security disability insurance benefits. When you become entitled and begin collecting…

Hi there, Yes, you can work past the age of 70 to supplement your Social Security income. Working past age 70 may or may not affect your Social Security income. Depending on your income, your Social Security could be subject to federal (and state, depending on where you live) taxation. Your future income even has…

Full question: After filing for Social Security at age 63 and receiving 5 payments, I received a letter from Social Security saying I needed to pay the money back because I would make too much. Am I required to pay that money back, if so, why? Hello, If you began collecting before your Full Retirement…

Full question: I can’t find clarification on survivor benefits and earnings limits. If a husband passes away and the survivor wife is age 55 and is working and caring for kid(s) under 16, does her benefit get reduced because she is working? Hello, Yes, like other Social Security benefits, survivor benefits also are subject to…

Full question: I will turn 65 in 4/22, not drawing Social Security right now and still working. If I begin drawing Social Security now and retire this summer with my income being just short of 19.5K, avoiding the penalty, but in the fall pick up little part time job maybe making $500 or so a…