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Date Add : 01-20-2010 

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Social Security Question:

WIDOWS BENEFITS AND WORKING

Social Security Answer:

I am 60 years old. I am just returning to work and will make only $19000 a year. I know I can now draw $1515 a month on widows benefits and $1865 if I wait until I am 66, can I also draw widows benefits and work and how will that affect my my widows benefits? Thank you.


Support Replied ~ 10-08-2009 18:20:17

Dear Pat:
You are allowed to make $16140 and keep all of your widows benefits. After that, SS will hold $1 for every $2 you earn over. So, take the exact amount you will make,
subract the allowable amount and divide it in half, and that is how much SS will hold in benefits before paying you. SS holds entire checks and pays back the balance the next january when you report what your exact earnings were for the year before.
Hope that helps you.....Carol
Your Comment ~ 11-19-2009 23:21:20

I have talked to social security 3 times and gotten 3 different answers as to how much I will draw. Even with the letter they sent me, now they don't agree with it and really according to what my late husband received while he was living from social security stating how much he would draw, the letter was right. How do I get them to give me the final or right answer? How many times will I have to talke with them?


Support Replied ~ 11-21-2009 18:14:34

Dear Pat:
I am using this scenario: Your birthday is 03/15/49. You wanted benefits to start in July. You would be 60 plus 5 months. Your benefit rate would be 73.5% of your FRA. There fore 73.8% of $1865 is 1370. If you waited until August, then it would be 73.9% of your FRA. If you waited until September, it would be 74.3% of your FRA. The benefit goes up at that rate. But when you work, SS holds $1 for every $2 you earn over the allowed amount, which is $14160.00 this year. (not the 16140 that I told you.) So take $19000 minus $14160 divided by whatever monthly amount that you decide to file, and SS would hold approximately 2 checks during the current year and pay you back the balance after you report what you made this year by calling in your W2 amount at the end of January the next year. n I hope you understand the process better now. I can't give you an estimate because I don't know your date of birth. Take care......Carol

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DISCLAIMER - You should consult with your local Social Security Office before acting upon any information received as a response to your question on "Social Security Advisor".

"Social Security Advisor" is intended to provide accurate and authoritative information with regard to the subject matter covered. It is offered with the understanding that neither the publisher nor the author is engaged in rendering legal, accounting, investment or other professional advice or services.

Information obtained from RetirementCommunity.com, including e-mail responses from "Social Security Advisor" should be considered as general educational information. You must never rely upon the advice given here. Your individual situation may not fit the generalizations discussed. Only your local Social Security office can evaluate your individual situation and give you advice.


Social Security Questions and answers
In the news: Read Carols comments in this BankRate.com Social Security article


Thank you so much. The amount of infomation you provided on our call went a long way in helping to resolve the issues I had with the social security rep I was working with.
Tom F. 06-29-2014


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