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Stephanie O Joy, Esq
Stephanie O Joy, Esq, Soc. Sec. Attorney
Category: Social Security
Satisfied Customers: 13521
Experience:  19+ years legal exp. - 10+ years owning/operating her own SSD Law practice.
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This would be a continuation ofmy last question. how much

Customer Question

this would be a continuation ofmy last question. how much would my wifes benefit be reduced
Submitted: 1 year ago.
Category: Social Security
Expert:  Stephanie O Joy, Esq replied 1 year ago.

Good morning.

OK, your wife's benefit will be owed back, just as yours will be, until the overpayment is paid. In this case, if you are earning $50k a years, that is $34280 too much. You will owe back $1 of benefits for every $2 earned. That means you will owe back 34280/2 or $17140 if you went the whole year overcollecting. So, the first month they "take back" they will withhold your $2000 plus your wife's spousal benefit (either 900 or 900-325, if 325 is her own benefit amount being paid first). Assuming the 900, then each month they will withhold the full 2900 for 5 months, and the 6th month you will still owe 2640 back, and so they will take a proportionate amount from each of you to recoupe that. See here:

Ideally, if one has already taken early retirement and can't re-do that decision, and goes back to work and is able to sustain himself on his work earnings, one considers banking the received retirement benefits so that when they have to be paid back, it is pain free. A real problem occurs if the work has to pay them back at at time when he is no long working and NEEDS that SS to survive - yet sees it withheld to pay his debt to the SSA. Protecting against that scenario may be something to consider.

Expert:  Stephanie O Joy, Esq replied 1 year ago.

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Expert:  Stephanie O Joy, Esq replied 1 year ago.

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