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Your email address will not be published.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 grandfather and granddaughter play with building blocks in a sunny living room, symbolizing family support and tax credits. Families Could Get Bigger Tax Credits in 2026 - Here's What the IRS Says
  • A senior woman in a navy cardigan sits at a sunny kitchen table looking at financial documents on a tablet next to a stack of mail. 7 Most Overlooked Government Benefits for Seniors
  • A sophisticated mixed media collage featuring the number 7 and the year 2026 surrounded by Medicare and financial planning symbols. 7 NEW Government Benefits for Seniors in 2026
  • Close-up of a senior's hands reviewing a grocery receipt at a kitchen table with eggs and lemons in a bowl. 10 Most Expensive US Cities for Groceries in 2026
  • A man in a home office looks at a 2027 calendar, representing retirement planning and future Social Security changes. 8 Reasons Your Social Security Payment May Be Different in 2027
  • A grandfather holds a newborn baby while looking at the Trump Accounts app on his smartphone in a sunlit living room. Could Your Grandchildren Qualify for Trump Accounts?
  • 10 Best Countries to Retire Abroad in 2027
  • A mature freelance electrician in a sunlit workshop, looking thoughtfully toward a window during a work break. Trump IRAs Explained: 7 Things to Know Before They Launch in 2027
  • A mixed media collage of a retirement postcard being overtaken by utility bills, a padlock, and a torn check, symbolizing hidden costs. 10 Popular Retirement Destinations That Can Be Difficult on a Fixed Income
  • A senior woman sitting alone on a porch at sunset, looking thoughtfully at the horizon while holding a mug. 7 Retirement Locations That May Not Fit Single Seniors

Newsletter

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

Related Articles

social security numbers

6 Social Security Changes Coming Next Year

#6 Higher Earnings Test Thresholds for Working Beneficiaries If you work while collecting Social Security…

Read More →
A photograph of a senior's hands holding a check, with a partially visible retirement planning document in the background.

Protecting Your Nest Egg: A Guide to Annuities for Retirees

Frequently Asked Questions About Annuities in Retirement Even after learning the basics, many retirees have…

Read More →
credit score

9 Credit Score Myths You Shouldn’t Believe Anymore

Will using your debit card help you build your credit score? Using your debit card…

Read More →

Your Complete Retirement Income Plan: A Step-by-Step Guide for Seniors

Tortoiseshell glasses and a newspaper on a marble table help you focus on the fine…

Read More →
save money on healthcare

Could You Qualify For the New $25,000 Health Care Tax Deduction Coming in 2026?

Fiscal Challenges and Political Headwinds One of the biggest unanswered questions surrounding Hawley’s proposal is…

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 →
A happy senior couple enjoying the view from their new modern apartment balcony at sunset.

How to Downsize Smartly: Selling the Family Home and What to Do With the Money

Learn smart strategies for downsizing your home in retirement, navigating capital gains taxes, and investing…

Read More →

Mastering Financial Wellness: 4 Essential Tips for Improvement

Simplify your path to financial wellness by tracking goals on your smartphone and planner during…

Read More →
Social Security changes coming in 2024

2026 Social Security Benefits Increase Brings Biggest Raises in 10 States

What to Expect Next The official 2026 Social Security COLA announcement will be released in…

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.