I am receiving Social Security retirement benefits and I recently went back to work.
Do I have to pay Social Security (FICA) taxes on my income?
Yes. By law, your employer must withhold FICA taxes from your paycheck. Although you are retired, you do receive credit for those new earnings. Each year, Social Security automatically credits the new earnings and, if your new earnings are higher than in any earlier year used to calculate your current benefit, your monthly benefit could increase. For more information, visit socialsecurity.gov or call us at 800-772-1213 (TTY 1-800-325-0778).
My spouse died recently and my neighbor said my children and I might be eligible for “survivors’ benefits.” Don’t I have to be retirement age to receive benefits?
No. As a survivor, you can receive benefits at any age if you are caring for a child who is receiving Social Security benefits and is under age 16. Your children are eligible for survivors’ benefits up to age 19 if they are unmarried and attending elementary or secondary school full time. And your child can get benefits at any age if they were disabled before age 22 and remain disabled. You are still subject to the annual earnings limit if you are working. If you are not caring for minor children, you would need to wait until age 60 (age 50 if disabled) to collect survivors’ benefits. For more information about these benefits, read our publication Survivors Benefits at socialsecurity.gov/pubs.