April 2023

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Understanding Noncovered Remunerative Activity Outside the United States, § 404.418

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When it comes to earning income outside of the United States, it’s essential to understand the implications for your taxes and social security deductions. In this blog post, we will explore the concept of “noncovered remunerative activity outside the United States” as defined by § 404.418, and discuss how it relates to deductions mentioned in § 404.417. […]

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Understanding Deductions for Noncovered Remunerative Activity Outside the US: A Guide to the 45-hour and 7-day Work Test, § 404.417

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In the world of Social Security benefits, understanding the regulations and requirements for deductions due to noncovered remunerative activity outside the United States can be a daunting task. This article aims to simplify and explain the 45-hour and 7-day work tests as they relate to these deductions. Section 1: Deductions Because of Individual’s Activity 1.1

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Understanding Social Security Deductions Due to Excess Earnings, § 404.415

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The Social Security Administration (SSA) enforces an annual earnings test for those receiving benefits who have not yet reached full retirement age. This test ensures that benefits are reduced if an individual earns above a certain threshold. In this blog post, we will discuss the three main types of deductions due to excess earnings, as

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Understanding Benefit Reductions & Increases in Primary Insurance Amounts, § 404.413

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The Social Security system can be complex, and understanding how benefit reductions for age and subsequent increases in primary insurance amounts work is crucial for retirees. This blog post breaks down the general rule on reduction of increases and the methods of computation for these reductions. General Rule on Reduction of Increases When an individual’s

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Understanding Social Security Benefit Adjustments after Reduction for Age, § 404.412

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If you’re receiving Social Security benefits, you may be wondering how reductions due to age are calculated and when adjustments may be necessary. In accordance with § 404.410, benefits are reduced based on the number of months prior to full retirement age that you become entitled to benefits. However, certain months are excluded from consideration when

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Understanding How Social Security Benefits are Reduced for Age When Entitled to Multiple Benefits, § 404.411

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Navigating the complex world of Social Security benefits can be challenging, especially when you’re entitled to multiple benefits. In this blog post, we’ll break down the rules and scenarios under which benefits are reduced for age when a person is entitled to two or more benefits. This information is based on § 404.411, which outlines how

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A chart illustrating Social Security benefit reductions for old-age, spouse, and widow/widower benefits based on months before full retirement age.

Understanding Social Security Benefit Reductions Before Full Retirement Age, § 404.410

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Social Security benefits can be reduced if entitlement begins before reaching full retirement age. The reductions are different for old-age, spouse, and widow/widower benefits. In this post, we’ll explain how the Social Security Administration (SSA) reduces these benefits and provide examples to help you understand the calculations. Old-Age Benefits Reduction The SSA reduces old-age benefits

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Understanding Full Retirement Age and Its Impact on Your Benefits, § 404.409

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Full retirement age is a crucial factor when planning your retirement and understanding your social security benefits. It is the age at which you become eligible to receive unreduced old-age, wife’s, husband’s, widow’s, or widower’s benefits. Previously set at 65, the full retirement age is gradually being increased to 67 for people born after January

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A flowchart depicting the process of reducing retroactive Social Security benefits when SSI payments are involved.

Navigating Retroactive Social Security Benefits and Supplemental Security Income, § 404.408b

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When receiving both retroactive Social Security benefits and Supplemental Security Income (SSI) payments for the same period, it’s essential to understand how the two may affect each other. In this blog post, we’ll break down the key points of § 404.408b to help you better understand the reduction of retroactive monthly Social Security benefits where SSI

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Understanding the Government Pension Offset (GPO) and its Impact on Social Security Spouse’s Benefits, § 404.408a

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If you receive a government pension based on non-covered employment, your Social Security spouse’s benefits may be reduced. This reduction, known as the Government Pension Offset (GPO), can be a complex topic. In this blog post, we will break down the essentials of the GPO, its exceptions, and its impact on your Social Security benefits.

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