好奇一定要退休了才能领SSN社保金吗?

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evaearly
楼主 (北美华人网)
假设我打算工作到80才退休,那这样的话我能在70岁开始领社保金吗?还是必须是70岁不工作完全退休才能领?
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ZSLKS
很多老美拿着SS 继续在什么店打工
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TOR123
You can get Social Security retirement benefits and work at the same time. However, if you are younger than full retirement age and make more than the yearly earnings limit, we will reduce your benefit. Starting with the month you reach full retirement age, we will not reduce your benefits no matter how much you earn.
If you are under full retirement age for the entire year, we deduct $1 from your benefit payments for every $2 you earn above the annual limit. For 2023, that limit is $21,240. In the year you reach full retirement age, we deduct $1 in benefits for every $3 you earn above a different limit.
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luoguo
到年龄就可以拿啊
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TOR123
给你们个栗子,62-67岁,你退休金是20K。 你赚21K,可以拿41K。 挣61K以上,挣多少拿多少没有退休金了 挣21K-61K,挣n,能拿30.5+n/2
最优解是随便干干,挣21K,拿41K。
有没有大侠知道,被动收入,在这里算不算赚的收入被抵扣? 自己回答 -- 不算 Only your income from work, self-employment and other sources will affect your eligibility for SSDI or SSI. Passive forms of income such as interest from bank accounts or dividends from investments do not affect your benefits.


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Feifei6789
给你们个栗子,62-67岁,你退休金是20K。 你赚21K,可以拿41K。 挣21K-41K,你也只能拿41K 挣41K以上,挣多少拿多少没有退休金了。
最优解是随便干干,挣21K,拿41K。
有没有大侠知道,被动收入,在这里算不算赚的收入被抵扣? 自己回答 -- 不算 Only your income from work, self-employment and other sources will affect your eligibility for SSDI or SSI. Passive forms of income such as interest from bank accounts or dividends from investments do not affect your benefits.



TOR123 发表于 2023-09-28 18:15

Pension 算哪种?
y
yimiyangguang
到了年龄就可以领,只是你要有工作的话,跟你的工资一起都算收入交税
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TOR123
Pension 算哪种?
Feifei6789 发表于 2023-09-28 18:20

We''ll reduce your Social Security benefits by two-thirds of your government pension. In other words, if you get a monthly civil service pension of $600, two-thirds of that, or $400, must be deducted from your Social Security benefits.
Can you get Social Security and a private pension? Usually, receiving a pension doesn''t change the Social Security benefits you''re eligible for. As long as your employer withheld FICA taxes, which are the payroll taxes that pay for Social Security and Medicare, you''re all set.
一个用户
给你们个栗子,62-67岁,你退休金是20K。 你赚21K,可以拿41K。 挣61K以上,挣多少拿多少没有退休金了 挣21K-61K,挣n,能拿30.5+n/2
最优解是随便干干,挣21K,拿41K。
有没有大侠知道,被动收入,在这里算不算赚的收入被抵扣? 自己回答 -- 不算 Only your income from work, self-employment and other sources will affect your eligibility for SSDI or SSI. Passive forms of income such as interest from bank accounts or dividends from investments do not affect your benefits.



TOR123 发表于 2023-09-28 18:15

capital gain会被抵扣????
这样不能卖出股票了。
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TOR123
capital gain会被抵扣????
这样不能卖出股票了。
一个用户 发表于 2023-09-28 18:35

While capital gains income will not result in a reduced benefit, it may determine whether you must pay taxes on those benefits. More than half of Social Security recipients pay some income taxes on their benefits.
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SheldonCooper
不用!我认识一个老教授九十了还在工作,领了二十几年ss了。他工资还很高,bequest了几百万给学校。
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evaearly
谢谢大家
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grace0579
回复 5楼TOR123的帖子
不错的计算!
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Beautifulday8
We''ll reduce your Social Security benefits by two-thirds of your government pension. In other words, if you get a monthly civil service pension of $600, two-thirds of that, or $400, must be deducted from your Social Security benefits.
Can you get Social Security and a private pension? Usually, receiving a pension doesn''t change the Social Security benefits you''re eligible for. As long as your employer withheld FICA taxes, which are the payroll taxes that pay for Social Security and Medicare, you''re all set.
TOR123 发表于 2023-09-28 18:30

大学有的参加state pension, 那种也要扣吗?
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shinedance
可以的 等到63岁肯定退休
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pinkladyss
我们公司的一个老太太就是一边工作一边领SSN,只是税会多交,如果总收入多的话
呵呵笑
capital gain会被抵扣????
这样不能卖出股票了。
一个用户 发表于 2023-09-28 18:35

你的4万一包括自己赚的二万一吧,退休金还是拿二万吧