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I am on Social Security. I get about $22,000 a year. How…

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I am on Social...

I am on Social Security. I get about $22,000 a year. How much can I earn in the private sector before it affects my SS income?

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I am on social security. I make 22,000 a year. How much can I earn in the private sector without affecting my social security income?

Submitted: 8 months ago.Category: Social Security
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Answered in 44 minutes by:
10/18/2017
Social Security Expert: Barbara, Enrolled Agent replied 8 months ago
Barbara
Barbara, Enrolled Agent
Category: Social Security
Satisfied Customers: 6,188
Experience: 20+ years of experience in tax preparation; 30+ years of experience as a real estate/corporate paralegal.
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Welcome to Just Answer. My name is ***** ***** I will be happy to assist you.

If you have reached full retirement age (66), there is no limit on the amount you can earn in the private sector. Your earnings will not affect your Social Security benefits.

"If you are younger than full retirement age and make more than the yearly earnings limit, we will reduce your benefit. Starting with the month you reach full retirement age, we will not reduce your benefits no matter how much you earn.

  • We use the following earnings limits to reduce your benefits: If you are under full retirement age for the entire year, we deduct $1 from your benefit payments for every $2 you earn above the annual limit.

For 2017 that limit is $16,920.

  • In the year you reach full retirement age, we deduct $1 in benefits for every $3 you earn above a different limit, but we only count earnings before the month you reach your full retirement age.

If you will reach full retirement age in 2017, the limit on your earnings for the months before full retirement age is $44,880."

Starting with the month you reach full retirement age, you can get your benefits with no limit on your earnings.

https://faq.ssa.gov/link/portal/34011/34019/article/3739/what-happens-if-i-work-and-get-social-security-retirement-benefits

Please let me know if I can assist you further.

Thank you and best regards,

Barb

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Social Security Expert: Barbara, Enrolled Agent replied 8 months ago

Just following up with you to see if you have any other questions. If so, please let me know so I can continue to assist you.

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