Ask Bob: How Does Work Affect Your Social Security Benefits

Robert Powell, CFP®

Question

I am a widow who works full time and I do not qualify for Social Security widow survivor benefits based on my income. My question is if I would qualify for widow's survivor benefits at age 65, while I continue to work. I intend to claim Social Security benefits at age 70.

Answer

The earnings limit no longer applies at your full retirement age or FRA, says Jim Blair, a founder of the National Social Security Association.

This age varies between age 66 and 67 depending on the year of your birth. You can switch to your retirement benefit based on your own work record at age 70 if that benefit amount is higher, he says.

Read How Work Affects  Your Benefits. 

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