turbotax icon
Showing results for 
Search instead for 
Did you mean: 
Oct 16 is the IRS deadline–file confidently with expert help. File Now
Close icon
Do you have a TurboTax Online account?

We'll help you get started or pick up where you left off.

Drawing social security

My husband turns 66 1/2 in November and plans to start drawing his social security. I will be 63 1/2 in November and he says that I can get half of his while he is still alive.  Is this true? And what is the limit of income while drawing social security?

2 Replies
Employee Tax Expert

Drawing social security

Hi, @dbanderson510 , thanks for the question! 


Your first question is not a tax question, but a Social Security question, so it it out of our scope. But that being said, you may find this SSA article helpful. 


There is not a limit of income while drawing SS, as you can earn as much as you like. However, if your MAGI is more than $32,000 if Married Filing Jointly ($25,000 for all other filing statuses), then at least some of your Social Security income may be taxable. Your MAGI is defined as half of your Social Security benefits, plus 100% of your other income. This TurboTax article goes into more detail.


Hope this helps, please let me know if this raises additional questions!

**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"

Drawing social security

If you start taking your SS benefit before your "full retirement age" and you continue to work, the money you earn in one year will reduce your SS benefit in the next year.   After full retirement, working will not reduce your SS benefit.


If you declare retirement to draw on your spouse's benefit instead of waiting for your own benefit, your benefit will be permanently reduced. (You start earlier but get less each month.)


If you plan to stop working, it might work for you to declare retirement on your spouse's benefit, and then switch to your own benefit when you reach full retirement age, but I don't think this works if you plan to keep working.


This kind of "pushing the boundaries" of the SS system really needs expert assistance, not advice on the internet.  You could hurt your benefit for the rest of your life if you make a mistake. 

*Answers are correct to the best of my ability at the time of posting but do not constitute legal or tax advice.*
message box icon

Get more help

Ask questions and learn more about your taxes and finances.

Post your Question
message box icon

Ready to start your taxes?

Hand off your taxes, get expert help, or do it yourself.

See Pricing
Manage cookies