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The Benefits Blog

The Benefits Blog provides expert insights, updates, and strategies on Social Security and Medicare, tailored for financial professionals looking to enhance their knowledge and better serve their clients. Stay informed with the latest developments and tips to maximize benefits for your clients.

Annual Earnings Test Adjustments for Retirement, Spousal, and Survivor Benefits annual earnings test (aet) full retirement age (fra) hey marc! spousal benefits survivor benefit May 22, 2024

The heart of the question relates to the adjustment at FRA relating to benefits withheld due to the Annual Earnings Test.  Does that adjustment occur with only retirement benefits, or will that adjustment apply also to survivor or spousal benefits as well?

When Social Security benefits are withheld...

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Resolving Delayed Widow’s Benefits and Medicare Premium Adjustments annual earnings test (aet) hey marc! medicare widower benefit Apr 10, 2023

My client, Jan, retired March, 2022.  She was born 9/1956.  She earned $118k Jan-March, 2022.  She is a widow and planned to collect on her husband’s benefit until she turns 70 and will collect on her own benefit.  She met with Social Security last March and was told she was approved for her husband...

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Impact of Earnings on Social Security Benefits for a Widow and Her Children annual earnings test (aet) benefits for minors family maximum hey marc! widow benefit Dec 02, 2022

A woman referred to me whose husband passed in November at age 46. She is also age 46. She is scheduled to collect SS for her two kids ages 11,13. She isn’t currently working. She will go back in 2023.  Will her earnings affect the SS her children receive?

In this situation, the woman's earnings wi...

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Social Security Earnings Test for State/Government Employees annual earnings test (aet) hey marc! Mar 23, 2017

If someone has a State/Government job and is not having SS withheld from their paycheck, are they still subject to the earnings test if they collect SS they earned base off their work record?

Yes, individuals with State or Government jobs who do not have Social Security (SS) withheld from their pay...

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