Your golden years are your best years! Make them shine!

  • Home
  • Personal Finance
  • Retirement Life
  • Saving & Spending

Some Retirees Won’t Get Great Social Security Benefits- Here’s 7 Reasons Why

June 22, 2022 · Personal Finance

social security

Photo by wavebreakmedia From Shutterstock

6. Infrequent workers

We overstressed this topic about Social Security benefits because it’s very important. And to earn the system benefits, you need at least 10 years on American territory. And some people aren’t exactly beneficiaries just because they don’t have enough credits.

People like this are mostly immigrants that come to the States when they are 50 years of age or older, and the other half have infrequent working years.

But they may get lucky because they can benefit from their spouses (in case they are married).

A senior man working in a modern professional studio environment.
A thoughtful man reviews his tablet in an office, considering the impact of his earnings on Social Security benefits.

7. You failed the social security earnings test

There are some early claimers that are still working to pass the Social Security earnings test in order to become eligible for the benefits. And let me tell you: if you reach the age of retirement, you can claim your benefits.

In 2021, the SSA retained $1 in benefits for every $2 earned over $19,000 in that year. But there is a forgiving monthly test for those who enter the year of retirement.

Pages: 1 2 3 4 5 6 7 8

Share this article

Facebook Twitter Pinterest LinkedIn Email

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

10 comments on “Some Retirees Won’t Get Great Social Security Benefits- Here’s 7 Reasons Why”

  1. richard lugenbeel says:
    August 17, 2023 at 1:42 pm

    my sister started working for NSA right after she got out of high school in 1964 until she retired in the late1990’s can she apply for social security she is 76 years old

    Reply
  2. Karen imparato says:
    January 25, 2023 at 9:35 pm

    Interesting story! I had such a great time reading this.

    Reply
  3. Emmanuel Brantley says:
    January 25, 2023 at 8:11 pm

    If my wife don’t have enough credits can she use some of mine to bring her up to the amount
    she need?

    Reply
  4. Donald Swanson says:
    January 25, 2023 at 2:53 pm

    Losing social security is a risk for all Americans. we reached budget limit. Yellen announced accounting trick to delay default until June. Yesterday she announced not reinvesting in govt retirement bonds. no plan on repayment, so this eliminates another year of social security. Medicare payments being delayed. Tell yellen and congress don’t use my social security to pay your bills. Cut military expenses. Stop developing new weapons that US can use to start more wars.

    Reply
  5. Phyllis Brooks says:
    November 4, 2022 at 4:01 pm

    Agree with Tamia. I get a federaal retirement. My husband retired from the Navy after 43 years after which he worked in the private sector for over 20 yrs. I can not get anything from Social Security based on his history.

    Reply
  6. Tamia says:
    October 2, 2022 at 7:04 pm

    Don’t forget the people who earned their 40 credits, but also worked under a state retirement plan. I get my state retirement, but no social security. Not even using my husband’s social security amount.

    Reply
  7. Kenneth Wolkon says:
    September 24, 2022 at 8:43 pm

    You neglect to mention those affected by the GPO and WEP issues that reduce or, in some cases, remove the Social Security benefits that should be paid.

    Reply
Se încarcă comentarii...

Nu mai există comentarii de afișat.

Search

Latest Posts

  • A luxury cruise ship docked in a South American port at dawn, with two retirees looking on from a wooden pier. Hantavirus: What Retirees Need to Know Before Boarding a Cruise Ship
  • A retired couple selects fresh produce at a sunny outdoor market, highlighting the active and affordable retirement lifestyle. 7 Retirement Towns Where Residents Spend Less On Groceries
  • A vibrant sunset scene at a luxury retirement community showing seniors socializing near a lake and golf course. 10 Most Welcoming Retirement Communities in the USA With the Best Amenities
  • A peaceful rural landscape with a craftsman home in the foreground and a distant city skyline, symbolizing the move to the countryside. 12 Reasons More Americans Are Choosing Rural Areas to Retire
  • A retired couple walks through a desert landscape with tall Saguaro cacti under a vibrant orange and purple sunset sky. 9 Honest Pros and Cons of Retiring in Arizona That No One Talks About
  • An older man at a kitchen table with a map and tablet, planning various retirement trial locations in a sunlit home. 7 Retirement Lifestyles People Are Testing Before Fully Retiring
  • Watercolor illustration of a retiree checking off 'Travel' and 'Golf' on a list, surrounded by icons of airplanes and park ranger hats. 7 Retirement Jobs People Take Just For Free Perks
  • A retiree couple looks out the window of their new, bright, minimalist condo, symbolizing a fresh start after downsizing their home. 8 Things Retirees Are Selling Before Moving Into Smaller Homes
  • A retiree in a sun hat looking out over a vast canyon at sunset, symbolizing the freedom of travel in retirement. 7 Retirement Jobs That Let You Travel For Free
  • A grandmother and grandson sitting on a wooden dock at sunset, skipped stones creating ripples in the water. 7 Retirement Places Where Grandkids Actually Love Visiting

Newsletter

Get retirement tips and senior living advice delivered to your inbox.

Related Articles

A confident retiree working on a tablet in a bright, modern home office during the morning.

Best Jobs for Retirees in 2026

Explore the best flexible and high-paying jobs for retirees in 2026. Get current data on…

Read More →
Retirement Plans

New Retirement Rule Changes Taking Effect in 2026

6. A New Tax Deduction for Seniors Another major update affecting retirees is a temporary…

Read More →
An older couple sits at a kitchen table reviewing financial documents, with a magnifying glass and a calendar visible nearby.

The Hidden Costs of Retirement Nobody Talks About

Frequently Asked Questions (FAQ) About Retirement Costs Here are quick answers to some of the…

Read More →
funeral expenses

Funeral Expenses: 5 Best Ways to Lower Them

5. Opt for a simple wake and funeral service. If bypassing a wake or the…

Read More →
IRS Audit

8 IRS Audit Red Flags

You’re worried about an IRS Audit?

Read More →
A happy retired couple looking at a tablet in a bright, modern kitchen, representing Medicare financial planning.

18 Medicare Benefits That Won’t Cost You a Dime

Did you know Medicare covers 18 preventive services for free? Save on your $283 deductible…

Read More →
tax planning, reduce

7 Ways You Can Prepare For a Better 2023 Tax Season NOW

#6 Paying 2023 Bills Now Take a look at your medical bills. You might be…

Read More →

Yes, You Can Earn Extra Cash in Retirement With These 10 Gigs!

9. Seamstress/Tailor If you have good skills when it comes to sewing, then you can…

Read More →
A senior couple looking at a tablet in a bright kitchen with a focused expression.

HSAs Sound Great – Until You See These 3 Hidden Costs

HSAs offer triple tax benefits, but hidden costs can derail your savings. Learn about the…

Read More →
Retired in USA

Your golden years are your best years! Make them shine!

Inedit Agency S.R.L.
Bucharest, Romania

contact@ineditagency.com

Trust & Legal

  • Terms and Conditions
  • Privacy Policy
  • Do not sell my personal information
  • Subscribe
  • Unsubscribe
  • Contact
  • CA Privacy Policy
  • Request to Know
  • Request to Delete

Categories

  • Enjoying Retirement
  • Personal Finance
  • Saving & Spending

© 2026 Retired in USA. All rights reserved.