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Greetings, Chuckr, and welcome. You asked:

<<I just read Pixies article 3/21 re this subject. If spouse (wife)makes $17,000 (over 65) and files jointly with husband with resultant total income substantially over the $45,944 amount is her SS benefit reduced accordingly?>>

The SS benefit will not be reduced (i.e., forfeited) because of the earnings limitation in that she didn't make enough to cause a forfeiture. You're really talking about the potential taxation of SS, which is an entirely separate and distinct issue. That starts with the adjusted gross income on your joint income tax return before any consideration of SS benefits. To that AGI you add unearned income (for most folks that's only the interest/dividends on municipal bonds or municipal bond funds) and one-half of all SS beneifts received in the year. From that sum you subtract $32K. If there is an excess, then up to 85% of the SS benefit can be taxed depending on the size of that excess. In your example, part of the SS benefit will be taxed.

Regards..Pixy
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