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How the Social Security Earnings Test May Affect Your Retirement

Folks who have reached their full retirement age (66-67 depending on birth year) need not worry about the Social Security Earnings test.  They can earn as much income from work as they like and collect their full Social Security benefits without penalty or reduction.  But that’s not so for those between 62 and full retirement age.  Austin Powell explains the test in this Kiplinger piece.  He cites survey data by Voya Financial that more than half of Americans plan to work in retirement.  Full article here.

The AMAC Foundation offers a free-to-the-public advisory service to all folks ageing into–or already in–Social Security. This service provides guidance in understanding the complexities of Social Security and the myriad rules and regulations associated with the process for claiming benefits, with NSSA-Certified Social Security Advisors available via email or telephone to discuss options. Learn more about this service via the Foundation’s website.



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