Exceptions. The 10% tax will not apply if distributions before age 59 ½ are made in any of the following circumstances:
Made to a beneficiary (or to the estate of the participant) on or after the death of the participant, Made because the participant has a qualifying disability, Made as part of a series of substantially equal periodic payments beginning after separation from service and made at least annually for the life or life expectancy of the participant or the joint lives or life expectancies of the participant and his or her designated beneficiary. (The payments under this exception, except in the case of death or disability, must continue for at least 5 years or until the employee reaches age 59½, whichever is the longer period.), Made to a participant after separation from service if the separation occurred during or after the calendar year in which the participant reached age 55, Made to an alternate payee under a qualified domestic relations order (QDRO), Made to a participant for medical care up to the amount allowable as a medical expense deduction (determined without regard to whether the participant itemizes deductions), Timely made to reduce excess contributions, Timely made to reduce excess employee or matching employer contributions, Timely made to reduce excess elective deferrals, or Made because of an IRS levy on the plan. Made on account of certain disasters for which IRS relief has been granted.
如果满 62 岁， 自己自雇了，也可以领取SS 吗？ 继续打工也可以领取SS 吗？
其它退休计划，年金是怎样规定的？
需要文件证明你不工作吗？
谢谢
秒申。
看你工作收入是多少，高的话，会扣掉一些SSN 的。
1. 上www.ssa.gov网上注册一个账号，可以查你有没有交满40个季点，什么时候可以拿，拿多少，如果有配偶拿你配偶的社安会有多少钱，还有图形曲线帮助你理解加深印象。
2. 到你当地的社安office去，直接找officer问问题，每个城市都有多个local office。
3. 打电话到社安热线电话问问题，英语不好还可以要求翻译服务。
4. 很多教会，大学和公益团体会有免费咨询服务替你查询解释社安benefit
5. 有付费的财税服务，一般报税公司，会计公司，财富管理公司会有专业人员能回答你的问题替你做规划
如果那时你还有income (指你工作获得的收入，不包括投资获利)，如果你的收入大于$22,320，那大于部份，每2刀，会减少你1刀的social security benefit
比如，你62岁开始领social security benefit，假定你的social security benefit是每年$36,000
例子1
假如你当年的收入是$20,000，则你可以拿$36,000
例子2
假如你当年的收入是$30,000，那你超过$22,320部份是$7,680。所以你得到的social security benefit是$36,000-$7,680/2=$32,160。你足足损失了$3,840刀。
参考资料: https://faq.ssa.gov/en-us/Topic/article/KA-01921?
所以，你如果从IRA中取出的钱超过$23,200一年，同时又拿social security benefit，是很吃亏的。
Exceptions. The 10% tax will not apply if distributions before age 59 ½ are made in any of the following circumstances:
Made to a beneficiary (or to the estate of the participant) on or after the death of the participant, Made because the participant has a qualifying disability, Made as part of a series of substantially equal periodic payments beginning after separation from service and made at least annually for the life or life expectancy of the participant or the joint lives or life expectancies of the participant and his or her designated beneficiary. (The payments under this exception, except in the case of death or disability, must continue for at least 5 years or until the employee reaches age 59½, whichever is the longer period.), Made to a participant after separation from service if the separation occurred during or after the calendar year in which the participant reached age 55, Made to an alternate payee under a qualified domestic relations order (QDRO), Made to a participant for medical care up to the amount allowable as a medical expense deduction (determined without regard to whether the participant itemizes deductions), Timely made to reduce excess contributions, Timely made to reduce excess employee or matching employer contributions, Timely made to reduce excess elective deferrals, or Made because of an IRS levy on the plan. Made on account of certain disasters for which IRS relief has been granted.