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Social Security Earnings Test Ensnares a Spouse

You’ve likely heard of the dreaded “earnings test” for Social Security benefits. What’s sure to be a surprise, however, is that the earnings test squeezes not only your benefit but also family members’ benefits based on your record. And that could put a wrinkle in a couple’s plan to maximize household income by filing for a spousal benefit while delaying a higher earner’s benefit. Read more…


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