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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.

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     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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