What Is the Maximum You Can Earn If You're Getting a Spousal SS Benefit?


Quick Answer

Spousal Social Security benefits are impacted by excess earnings in the same way as nonspousal benefits, with benefits decreasing $1 for every $2 earned over the annual limit if the recipient is below full retirement age. For 2015, the annual limit is $15,720, reports U.S. News.

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Full Answer

Spousal benefits lost to income limitations are not compensated by higher payments in the future, unlike nonspousal benefits. People wanting to continue working at jobs with excess earnings need to defer claiming spousal benefits until no longer working or until reaching retirement age, suggests the Social Security Administration. If the worker reaches retirement age during 2015, the annual limit jumps to $41,880. Starting in the month the worker reaches full retirement, there is no limitation.

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