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En español | Are you planning to work after you start collecting Social Security retirement benefits? If so, the extra income could reduce your Social Security payment. So might a pension from a government job. And depending on where you live, your benefits could be subject to state as well as federal income taxes.
This section of AARP’s Social Security Resource Center breaks down how work, pensions and taxes affect your benefits. You’ll find easy-to-understand answers on:
Q: When does the earnings limit on Social Security benefits expire?
Q: Does my spouse's income affect the earnings limit for my Social Security benefits?
Q: Does the earnings limit increase as you get closer to full retirement age?
Q: Do I need to notify Social Security if I am receiving benefits and earn more than the annual earnings limit?
Q: If I file for Social Security at 62 and continue to work, will my earnings affect family benefits for my spouse and children?
Q: What is Social Security's "special earnings limit rule"?
Q: Social Security is withholding money from my retirement benefit because I'm still working. Will I get that money back?
Q: How much can I earn while on Social Security in the year I reach full retirement age?
Q: I filed early for retirement benefits but am still working. How do I pay the $1 for $2 if I make more than the earnings limit?
Q: Does severance pay affect my Social Security?
Q: Do 401(k) and IRA distributions count toward the Social Security earnings limit?
Q: Do proceeds from stock sales count toward the Social Security earnings limit?
Q: Can I work and collect Social Security?
Q: Can I stop Social Security and go back to work?
Q: Can I work part time on Social Security disability?
Q: If I stop working before I begin claiming Social Security, will my monthly benefit amount be reduced?
Q: Will my Social Security payment increase if I keep working after I start receiving benefits?
Q: Can I transfer credits from a foreign country's pension system to my Social Security work record?
Q: How often does Social Security recalculate benefits based on earnings?
Q: Can I collect unemployment benefits and Social Security at the same time?
Q: Can rental income cause a reduction in Social Security benefits?
Q: Does my spouse's income affect my Social Security retirement benefits?
Q: Does my income affect my monthly premiums for Medicare?
Q: My Medicare premiums are going up because of my income two years ago. My income has since gone down. Is there anything I can do?
Q: What counts as income for determining SSI eligibility?
Q: How is Social Security taxed?
Q: Which states tax Social Security benefits?
Q: Are Social Security benefits taxable regardless of age?
Q: Can I have taxes withheld from Social Security?
Q: Where can I get a copy of my SSA-1099 tax form?
Q: Can I collect Social Security and a pension?
Q: Does receiving a pension reduce my Social Security benefit?
Q: How does a foreign pension affect Social Security?
Q: Can I collect my own government pension and Social Security on my spouse’s record?
Q: My Social Security benefit is reduced because I collect a government pension. Will my spouse's survivor benefits be reduced too?
Q: Can Social Security tell me if a former employer owes me pension benefits?
Q: What is the Windfall Elimination Provision?
Q: How do I find out how much the Windfall Elimination Provision affects my Social Security benefits?
Q: What is the difference between the Windfall Elimination Provision and the Government Pension Offset?
Q: Does my military pension affect my Social Security benefits?
Q: I'm self-employed. Do I still have to pay Social Security and Medicare taxes?
Q: When people die before applying for benefits, what happens to the money they contributed to Social Security?
Q: What is the maximum amount of income that is subject to FICA taxes?
Q: Do I have to pay FICA taxes on my earnings if I collect Social Security?
Q: Do my Social Security contributions go into a personal retirement account for me and earn interest?
Q: Is FICA the same as Social Security?
Q: What is the Social Security tax rate?
Q: Do Social Security taxes have to be withheld from a household worker's earnings?
Didn't find the answer to your Social Security question? Submit your question here.
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