Question about SS benefits policy to determine when is the best time for my wife to sta...

GetHuman-s_a_andr's customer service issue with Social Security from June 2018

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Question about SS benefits policy to determine when is the best time for my wife to start collecting SS: If she starts collecting benefits on ****** at age **, and continues to work, stopping work on *******, she will earn about $**,*** for ****. Since that is less than $**,***, is there any earnings penalty ($* for $* earned)? How do you determine if there will be a penalty? Do we estimate earnings at the beginning of the year and tell you, or some other way? I know the payout will be reduced because of early retirement. I want to know about methodology for determining if there is an earnings penalty. She will be taking *** spousal benefit since this is more than her SS benefit. I am retired, took SS benefits at age **, and will be ** (FRA) on ******. Does taking *** spousal benefit or my taking early retirement make any difference in your answer?
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Social Security

Customer service issue
Reported by GetHuman-s_a_andr
Jun 29th, 2018 - a yr ago
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GetHuman-s_a_andr started working on this issue
Jun 29th, 2018 1:28pm