Social Security earned income offset


Q. I quit civil service in 1986 after 15 years. I took out my money and put it in an IRA. When I cashed in my IRA, I had to pay taxes to the IRS, which I didn’t think I had to do. I’m now applying for Social Security. Will my Social Security benefit be reduced?

A. IRA distributions are not counted in computing the Social Security earned income offset.


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Mike Miles is a Certified Financial Planner licensee and principal adviser for Variplan LLC, an independent fiduciary in Vienna, Virginia. Email your financial questions to and view his blog at

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