Social Security earnings test applies individually, not jointly
Q: Both my wife and I receive our own SSA retirement. Does the annual earnings test apply to us individually or are our earnings combined?
A: The annual earnings test applies individually. You can each earn up to the limit applicable to your age and full retirement age before any reduction in benefits.
Howard Kossover is a public affairs specialist with the Social Security Administration office in Grand Forks, N.D. You can reach him by e-mail at firstname.lastname@example.org.