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Can you work while collecting Social Security benefits (MoneyWatch) Can you have your discount kate spade jewelry cake and eat it by working for wages and receiving your Social Security income at the kate spade bridal sale same time? If so, is it a good idea? As with many financial questions, the answer isn't black or white the best answer is "It depends.
" What you need to know about Social Security 16 weeks to plan the rest of your lifeWelcome to my third post this week on the rules regarding Social Security benefits, as part of my 16 week course, Planning Your Retirement. You'll want to review my last two posts on worker's benefits and spouse's benefits for background to fully understand this post. Suppose you stop working full time during a calendar year, say in July, while you're age 62, 63, 64 or 65 (all below your FRA) and you start Social Security benefits. The earnings test only applies to any wages or self employment you earn after you retire and begin receiving Social Security income; your earnings in the months before your retirement don't count toward the earnings test. The annual threshold amount will be prorated to reflect just the months after you kate spade wedding sale started your Social Security income; for example, if you retire mid year in 2013, the threshold that would apply to kate spade latest design you would be half of $15,120. If more than 12 months have passed, then you won't be eligible for the "do over" and the earnings limit will apply. But as noted previously, the amount of the benefit reduction won't be lost permanently. (For a detailed explanation of the earnings test, here's a pamphlet from the Social Security Administration.) The earnings test is a powerful reason for waiting at least until your FRA to begin your Social Security income.
If you start your Social Security benefits before your FRA, then you'll want to monitor your earnings carefully and, if possible, keep them below the threshold that applies to you. View all articles by Steve Vernon on CBS MoneyWatch Vernon helped large employers design and manage their retirement programs for more than 35 years as a consulting actuary. Now he's a research scholar for the Stanford Center on Longevity, where he helps collect, direct and disseminate research that will improve the financial security of seniors.
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