Retired in America

Your Guide to a Confident Retirement

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

9 Social Security Secrets to Maximize Your Benefits in Retirement

September 11, 2020 · Retirement Life
A couple in a meeting with a professional advisor, focusing on retirement strategy.
A smiling couple consults with a financial professional to coordinate their benefits for a larger retirement payout.

You can still work while receiving survivor benefits

The good thing about survivor benefits is that you don’t have to stop working to collect them. There’s one limitation, though. You might receive less if you haven’t reached your full retirement age. For example, for 2020, $1 from your survivor benefits will be withheld for every $2 you earn above the $18,240 threshold. On the bright side, this deduction only applies to wages, not other sources of income such as pensions, interest, investment earnings or other government benefits.

A senior man working on a woodworking project, representing the balance of work and retirement.
A senior craftsman works in his woodshop, highlighting how extra income can impact your Social Security benefits.

Children are also eligible for survivor benefits

Children can also be the beneficiaries of Social Security benefits and receive their deceased parent’s benefits if they are not married, younger than 18 or age 19 if they are still in high school.  They also qualify if they have a disability that started before they turned 22.

If you are caring for your deceased spouse or ex-spouse’s minor or disabled child or children, you can also qualify for survivor benefits, regardless of your age. In terms of family benefits, a family maximum ranges between 150 and 188% of a worker’s basic social benefit.

Pages: 1 2 3 4 5

Share this article

Facebook Twitter Pinterest LinkedIn Email

Leave a Reply Cancel reply

Your email address will not be published.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

Search

Latest Posts

  • A stressed older couple sits on the floor of an empty living room surrounded by unpacked cardboard moving boxes. 5 States Retirees Regret Moving to, Based on Cost and Lifestyle
  • A smiling senior woman stands outside near a porch surrounded by lush garden greenery, hiking boots, and a warm mug. 12 Things to Do Instead of Watching TV All Day in Retirement
  • Shocked older man holding a landline phone receiver while reviewing financial bills at a kitchen table. 8 Things to Do the Moment You Realize You've Been Scammed
  • A smiling senior woman buys fresh vegetables from a vendor at a bustling outdoor farmers market. Farmers Market Vouchers for Low-Income Seniors
  • Adirondack chairs on a wooden deck overlooking a misty lake with a dock, canoe, and lakeside cabin at sunrise. 7 Lakefront Towns Where Retirees Get More House for Less
  • Senior man sitting at a wooden kitchen table reviewing a Social Security document with a pen, glasses, and calculator. 7 Ways Retirees Waste Their COLA Raise Every Year
  • A senior man reviews financial paperwork at a wooden table with a planner, budget sheet, and coffee mug. 5 Things Every Retiree Should Check Monthly
  • Senior couple sitting at a wooden kitchen table reviewing Medicare summary notices and financial documents. Medicare Changes in 2027: What You'll Actually Pay
  • A senior man sits at a wooden table reviewing a Social Security Administration statement with a pen and notebook. Why So Few Retirees Qualify for Social Security’s Biggest Possible Monthly Check
  • A woman reviews a retirement planning calendar and binder at a sunlit wooden table near a window. Key Retirement Milestone Ages Most People Miss

Newsletter

Get retirement planning tips, savings strategies, and lifestyle insights delivered to your inbox.

Related Articles

Adirondack chairs on a wooden deck overlooking a misty lake with a dock, canoe, and lakeside cabin at sunrise.

7 Lakefront Towns Where Retirees Get More House for Less

Explore 7 scenic, budget-friendly lakefront towns across America where retirees can buy spacious waterfront homes…

Read More →

10 Military Communities Where Vets Can Happily Retire

San Antonio, TX – If you’re looking for a place that’s livelier, you’ll enjoy living in…

Read More →
A world atlas and cultural mementos on a sunlit wooden desk, symbolizing a global perspective on retirement planning.

8 Retirement Traditions From Around The World

Explore 8 fascinating retirement traditions from around the world, from Japanese ikigai to Scandinavian cohousing,…

Read More →
Three active seniors walking through a vibrant, sunlit downtown plaza with a dog and coffee, representing a fulfilling retirement lifestyle.

9 Places Where Seniors Are Finding More Things to Do

Discover the top active retirement destinations offering lifelong learning, outdoor recreation, and vibrant cultural scenes…

Read More →

Live a Great Retirement Life in These 12 Small Towns

Hilo, Hawaii Population: 45,703 Share of population 65+: 18.5% Living costs for retirees: n/a Average income for 65+: $54,503…

Read More →
A retired couple in their 60s sits on a sunlit terrace in Portugal overlooking the ocean, looking at a map and tablet together.

The Truth About Retiring Abroad: What Americans 60+ Really Experience

Discover the financial, legal, and healthcare realities of retiring abroad so you can confidently plan…

Read More →

15 Places to Retire Where $200,000 Goes a Long Way

Discover 15 highly affordable US cities where a $200,000 retirement nest egg and Social Security…

Read More →

10 Do’s and Don’ts You Have to Consider Before Moving During Retirement

An active senior couple walks past a modern wellness center, ensuring their future healthcare needs…

Read More →

7 Social Security Scams You Need to Pay Attention to

Offers to increase the benefits for payment Other scammers have more imagination, and they might…

Read More →
Retired in America

Your Guide to a Confident Retirement

Inedit Agency S.R.L.
Bucharest, Romania

contact@retiredinamerica.com

Trust & Legal

About Us

Editorial Policy

Advertiser Disclosure

Frequently Asked Questions

Contact Us

Disclaimer

Terms and Conditions

Privacy Policy

Subscribe

Unsubscribe

Categories

  • Personal finance
  • Retirement Life
  • Saving & Spending

© 2026 Retired in America. All rights reserved.