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Does what my spouse make affect the earnings limit for my benefits?

A person who receives Social Security spousal or survivor benefits could be affected by the retirement earnings test.  First, benefits paid to spouses and dependents are affected by the earnings test when the benefits are based on the record of a worker beneficiary who is subject to the earnings test(that is, the worker is below FRA and has earnings above the earnings test threshold). An exception is made for divorced spouses who have been divorced from the worker beneficiary for at least two years. Second, benefits paid to spouses (including divorced spouses) will be affected by the earnings test if these spouses or dependents are below FRA and have their own earnings above the exempt amount.


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