Earned income with Social Security


Q. I am planning to retire in 2021 after 27 years of federal service. If I decide to collect Social Security at the age of 63 1/2 years. is the federal retirement considered earned income? Also, I receive a check from my ex-husband’s military retirement. Is that also considered earned income that could push me over the $16,000 limit per year?

A. Pension and annuity income are not considered earned income for the purpose of calculating an offset to your Social Security benefit.


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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 fedexperts@federaltimes.com and view his blog at money.federaltimes.com.

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