RSSA Test 1st Flashcards
Question
Multiple Choice Answers
1) Paul has a PIA of $3,000 and applies for retirement benefits at his FRA of 67. If his wife, Wendy, is only eligible for spousal benefits, how much will she receive if she claims when she is 62?
$1,500, $1,125, $1,050, $975
2) At what filing age would a person receive 86.66% of their primary insurance amount, assuming their FRA is 67?
63, 64, 65, 66
3) Dan (66) and his wife Debbie (58) have three children - Amy (19), a freshman in college, and twins Harry and Heather (16). When Dan starts collecting Social Security this year, which of the following is true?
Debbie can collect spousal benefits., Amy, Harry, and Heather can collect dependent children benefits., Only Harry and Heather can collect benefits until they turn 18 (or 19 if in high school)., None of Dan’s dependents can collect benefits.
4) If a person is collecting 132% of their primary insurance amount, what is their full retirement age?
66, 66 and 6 months, 67, Not enough information
5) The Family Maximum Benefit (FMB)…
Is determined by an equation that uses the worker’s PIA, Will not apply to the worker’s spouse younger than age 62 if the spouse is caring for a qualifying child, Is approximately 250% to 280% of the worker’s PIA, Does not apply to the worker’s adopted children or stepchildren
6) Which of the following is false about survivor full retirement ages?
They are always the same as retirement benefit FRAs, They range from 66 to 67, This is the age when the survivor can collect the full benefit they are entitled to, If collected earlier than this age the benefit is reduced a fraction of a percent for each month early
7) Chad is a 63 year old lifetime high earner. He has not started collecting his retirement benefit yet. Which of the below is currently eligible for a spousal benefit?
His current wife of 6 years, who is 64, His ex- girlfriend of 9 years, His 62 year old ex-wife who he was married to for 15 years and has been divorced from for 3 years, All of the above
8) Over the past 60 years, the proportion of women who are dually entitled has…
Increased, Decreased, Stayed the same, Sporadically increased and decreased
9) Christine is 64 and collects $1,000 per month of Social Security. She is also working and will earn $30,000 in 2025. Based on the 2025 exempt amounts, how much will be withheld from Christine’s benefit this year?
$3,300, $3,840, $0, $2,200
10) Which of the following is not a requirement
to qualify for ex-spousal benefits?
You must be 62 years old, You must maintain communication with your ex-spouse, 10 years of marriage to that person, Currently single
11) What are the bend point percentages used
to calculate the family maximum benefit?
150%, 272%, 134%, 90%, 32%, 15%, 150%, 90%,
32%, 15%, 150%, 272%, 134%, 175%
12) What categories does the Social Security Administration pay benefits to?
Unemployed workers, retired workers, and disabled workers, Retired workers, disabled workers, and workers in need, Retired workers under age 62, survivors of retired workers, and workers on Medicare, Retired workers and their dependents, survivors of retired workers, disabled workers and their dependents
13) John and Jane both 66 were married 20 years before divorcing in 2017. They have three children: Charlie (15), Cathy (19), and Cody (24). In 2022, their son Cody (21 at the time) was in a car accident and suffered a traumatic brain injury leaving him disabled. As a retired worker which of John’s family members are entitled to benefits from OASI?
Jane, Charlie, and Cody, Jane and Charlie, Charlie only, Charlie, Cathy, and Cody
14) When is a person not subject to the earnings test?
When they haven’t yet collected benefits, When they are older than their full retirement age, When their income is from capital gains, All of the above
15) Which of the following is incorrect about life expectancy and Social Security income planning?
Life expectancy is an important component when deciding how and when to file for Social Security benefits, Men generally have longer life expectancies than women especially if they are married, Most people underestimate their life expectancy, Couples are smart to plan for the highest wage earner to maximize their Social
Security since this is the amount that person with
the longest life expectancy the survivor will
“inherit”
16) The FRA for a worker who was born in 1960 and later is…
67 years, 66 years and 2 months, 66 years and 6
months, 66 years and 8 months
17) If Linda works for XYZ Corporation and makes $90,000 in 2025 how much will be withheld for Social Security only from her paycheck for this year?
$6,885, $4,960, $5,580, $3,804
18) If a worker passes away before FRA and hasn’t yet collected retirement benefits, what is the maximum available survivor benefit?
50% of their PIA, 75% of their PIA, 100% of their PIA, 124% of their PIA
19) Which of the following is not an option for a
retiree who receives an overpayment notice?
Negotiate a payment plan, Appeal within 60 days, Defer the payment for up to 5 years, Request a waiver of payment
20) Which portion of a person’s earnings must they pay Social Security taxes on?
Up to the first bend point, All earnings up until full retirement age, Up to the earnings test exempt amounts, Up to the maximum taxable earnings
21) Which of the following is true about bend points?
They are used to determine FRA, They are never higher than $500, They determine the year you should retire, They are adjusted each year by the SSA
22) If Diego’s PIA is $1,550 and his FRA is 67, what is the difference in his benefit if he claims at age 68 versus age 70?
$1,440 per year, $372 per month, $5,952 per year,
$248 per month
23) When calculating PIA from AIME what is multiplied by 32%?
The portion of the AIME below $1,226, The portion of the AIME above $7,391, The portion of the AIME between $1,226 and $7,391, The entire value of the AIME
24) What information must you know to help your clients who are in civil unions or other non- marital legal relationships with their Social Security income planning?
In which states they established their non- marital legal relationship and they currently live in, How the state they live in treats their inheritance rights if one dies without leaving a will, How old they are, All of the above
25) What does Dual Entitlement mean?
You can receive two benefits at the same time, You are entitled to more than one benefit at the same time, You and your spouse are both entitled
to benefits, You can collect Social Security and a
pension
26) If Alice claims Social Security benefits at her FRA when she is entitled to her own $800 monthly Social Security benefit and also a
$1,000 spousal benefit what is the total benefit she will receive?
$1,200, $800, $1,800, $1,000
27) A young widow and child aged 12 are eligible for which of the below benefits?
All survivors are eligible for $1,000 monthly., The child is eligible for 75% of the deceased parent’s PIA, but the widow isn’t eligible until age 60., Both are eligible for up to 75% of the deceased worker’s PIA., Both are eligible for up to 100% of the deceased worker’s PIA.
28) Sarah has an AIME of $8,650. Using the 2025 bend points of $1,226 and $7,391 what is her PIA?
$3,182, $3,265, $2,887, $2,775
29) Miguel and Dianne have FRAs of 67. Miguel, the primary wage earner, has a PIA of $2,300 and is 10 years older than Dianne. Dianne has 15 QCs. If Miguel dies at age 80 and Dianne lives to age 85, what is the total amount of survivor income that Dianne would receive if Miguel collects at age 70 (sum in today’s dollars)?
$0, $513,360, $171,120, $414,000
30) If a retiree with a FRA of 67 collects retirement benefits at age 62, what percentage of the PIA will they receive?
86.66%, 70%, 75%
31) For a non-marital relationship, which of the following is used to determine whether the couple qualifies for spousal benefits?
The length of each person’s work history, The laws of the state in which the couple resides and the state where their relationship started, The amount of time the couple has lived together, They are not eligible for spousal benefits
32) If a worker filed a few months ago, at age 62, but are continuing to earn high wages, what should they do?
File a restricted application, Withdraw their application, Voluntarily suspend their benefits, Nothing
33) How much Social Security tax do self- employed workers pay?
6.2%, 2.9%, 15.3%, 12.4%
34) Jamar is a 64 year old lifetime high earner who started collecting his retirement benefit this year. Which of the below is currently eligible for a spousal benefit?
His current wife of 6 years, who is 64, His ex- girlfriend of 9 years, His 62 year old ex-wife who he was married to for 15 years, who remarried at age 59, All of the above
35) If a person’s birthday is on February 1, 1960, when do they reach full retirement age?
January 2026, February 2026, January 2027,
February 2027
36) Which of the following is false about wage indexing and AIME?
The highest 35 years of adjusted earnings used to calculate AIME, The base year of a worker turning 62 in 2025 is 2023, An individual’s earnings are indexed to the national average wage level of the year they are first eligible to collect Social Security benefits, The wage index for a worker’s earnings when they are 64 is 1.0
37) What is the definition of the Primary Insurance Amount (PIA)?
The Social Security retirement benefit you receive if you claim benefits at the exact month and year of your full retirement age (FRA), The amount of insurance you will receive if you file for Social Security at age 62, The Social Security benefit you receive if you claim benefits at age 70, The amount of insurance you will receive if you file for Social Security at the time you stop working
38) If Mario’s FRA is 67 and his PIA is $1,500,
how much would he receive if he started
collecting at age 68?
93.33%, 106.66%, 108%, 100.75%
