• Question
  • deferred SS payment, but working part-time

    Asked by a 77 year old man from Hendersonville, NC on 8/12/2019

    If my spouse defers SS to age 70 from Full Retirement Age(66 yr & 4 mo) but works a reduced amount until then (age 70), is there someway to estimate how new earnings will affect age 70 amount?

  • Categories: How Calculated?, Social Security


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  • Social Security benefits are an average of your 35 highest earning years that are adjusted for inflation. If you log in to Social Securities website you can see a history of your annual income income. If your spouses' income is higher than some of their previous earning years then you should see your benefit slightly increase beyond the increase for deferring until 70.

  • Login to rate this answer:   Answered on 8/14/2019
**All above answers are provided as general information only. No warranty is made regarding the fitness or accuracy of the information provided in this answer. You should seek advice from a licensed CPA, attorney or CERTIFIED FINANCIAL PLANNER™ as to your unique financial situation.