Social Security effect of IRA Withdrawal

[Swatara48&]

Does Social Security consider IRA withdrawals (or conversions from Traditional IRA to Roth) against it's $14K income limitation for the year? Thanks!

[clydewolf]

Swatara488,

Short Answer, NO.

Income from Retirement Accounts, pensions, annuities, or ROTH Conversions are not considered as earnings for the SS benefit income limitation.

Once you achieve your Full Retirement Age (FRA), the SS benefit earned income limit goes away.

The taxable income from Retirement accounts, pensions annuities and ROTH Conversions may cause some of your SS benefit to be subject to income tax.