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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: I'm 69. What's the most I can earn without Social Security reducing my retirement benefits?
Q: When does the earnings limit on Social Security benefits expire?
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: Does what my spouse makes affect the earnings limit for my benefits?
Q: Do proceeds from stock sales count toward the Social Security earnings limit?
Q: What is Social Security's "special earnings limit rule"?
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: Social Security is withholding money from my retirement benefit because I'm still working. Will I get that money back?
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: If I stop working before I begin claiming Social Security, will my monthly benefit amount be reduced?
Q: I plan to file for Social Security at full retirement age but want to keep my current job. Do I have to resign to get my benefits started?
Q: Can I transfer credits from a foreign country's pension system to my Social Security work record?
Q: Can I work and collect Social Security?
Q: Can I stop Social Security and go back to work?
Q: Will my Social Security payment increase if I keep working after I start receiving benefits?
Q: Can you work part time on Social Security disability?
Q: How often does Social Security recalculate benefits based on your 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: Are Social Security benefits taxable regardless of age?
Q: Where can I get a copy of my SSA-1099 tax form?
Q: How is Social Security taxed?
Q: Can I have taxes withheld from Social Security?
Q: Which states tax Social Security benefits?
Q: If my government pension is suspended or reduced, will my Social Security benefits increase?
Q: What is the Windfall Elimination Provision?
Q: Can I receive a civil service pension and Social Security at the same time?
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: Does my military pension affect my Social Security benefits?
Q: I am subject to the Windfall Elimination Provision. How do I find out the effect on my Social Security benefits?
Q: Does receiving a pension reduce my Social Security benefit?
Q: Can you collect Social Security and a pension?
Q: Can I collect Social Security and a pension from a job where I did not pay Social Security taxes?
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: If I am getting a pension, can I still collect Social Security survivor benefits?
Q: What is the difference between the Windfall Elimination Provision and the Government Pension Offset?
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?
Didn't find the answer to your Social Security question? Submit your question here.
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