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Howard Kossover: Earnings test results go by calendar year

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Q: If I retire this May, will this year’s earnings count against my 2013 Social Security retirement benefits?

     A: This is about the annual earnings test, also called the retirement test, and how calendar year earnings affect Social Security payable for that year.


     Earnings test amounts vary on whether you are under full retirement age (FRA) for the entire year, reach FRA during the year, and once you reach FRA.

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