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Earnings test determines Social Security benefits

Published 11/30/2011, DL-Online

Q: How much can I earn in 2012 before my Social Security retirement is reduced? A: The annual earnings test, also known as the retirement test, involves how calendar year employment earnings might affect your SSA retirement. Only your own gross wages and net income from self-employment is included for the earnings test. Investments, interest, pensions, capital gains income and earnings of a spouse are not. Earnings test amounts are based on your actual age and full retirement age (FRA). FRA is age 66 for people born from 1943 – 1954.

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