Social Security earnings limit


Q. I am 62. I just started drawing Social Security. My only earnings per year are my pension and supplement to pension, which total $24,000. Does this count toward my total earnings allowed per year on my Social Security? My wife still works but is not old enough to draw Social Security. Do her earnings count against my Social Security?

A. I think you are asking about the annual Social Security earnings limit. That limit only applies to a Social Security recipient’s earnings from wages or self-employment. It doesn’t apply to other sources of income. Nor does what your spouse may be earning have any effect on your benefit.


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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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