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Your email address will not be published.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 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
  • A teal piggy bank with a brass faucet attached to its side, with a hand turning the tap off to stop coins from leaking out. 8 Money Leaks Worth Fixing in Retirement
  • A collage showing a bright tropical postcard on the left overlapping with complex financial documents and a 2026 calendar on the right. These Southern Retirement Towns Look Great on Paper - But…
  • A retiree looks over financial documents at his kitchen table, weighing the costs of moving to a new state. 12 Places Where Everyday Retirement Life Can Be Tougher
  • An illustration of a suitcase packed with heavy weights labeled with retirement downsides, while a retiree looks at a distant palm tree. The Downsides of These 10 Popular Retirement Locations
  • A man in a kitchen looking at real estate listings while a for sale sign is visible through the window in the background. 8 Signs It May Be Time to Relocate
  • A retired couple on a porch, one looking at a map and the other at a garden, in warm golden hour light. 8 Ways Retirement Changes Family Relationships
  • A mixed-media collage split diagonally between a peaceful beach watercolor and a realistic pile of tax forms, medical tools, and bills. 9 Retirement Expectations That Don't Match Reality

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 →
tax changes

Shocking New Tax Changes Coming Up This Year

Hands hold a 2024 planner and pen, ready to navigate upcoming tax changes for a…

Read More →
retirement income tax state, retirement distributions

7 States That Don’t Tax Your Pension, 401(k), Social Security, and More

Connecticut Connecticut’s Social Security income tax might range from 3% to 6.99%. It all depends…

Read More →
A retired couple reviews their 2026 financial plan on a tablet in a bright, modern home office.

Medicare Costs in 2026: How Much You’ll Pay for Coverage

Medicare costs are rising in 2026. See the new Part B premiums, Part D caps,…

Read More →
Claiming Social Security early number

Claiming Social Security Early: 8 Reasons Why You Should Do This

6. No One Else Is Counting On Your Benefits In case of your death, certain…

Read More →
An adult daughter and elderly mother sharing a happy moment in a bright, modern kitchen.

What Happens to Your Taxes When Mom or Dad Moves In?

Discover the tax implications of moving an aging parent into your home, including how to…

Read More →
tax

5 Tax Records Seniors Should NEVER Throw Out

Where to keep these papers If you are wondering where you store all of this…

Read More →
tax breaks withdrawal

Unlocking Savings: Best Lesser-Known Tax Breaks for Those 65+

A smiling senior woman reviews her financial documents in a bright home office, discovering valuable…

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 →
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.