What is the implication of the earnings test for survivors benefits before FRA?

The reasoning behind the answer that the earnings test applies just like other benefits for survivors' benefits before the Full Retirement Age (FRA) is tied to how Social Security administers benefits based on work earnings. When a beneficiary is under FRA, their earnings can indeed impact their benefits. If their earnings exceed a certain threshold, it can result in a reduction of their Social Security benefits.

This is a standard practice within the Social Security program, applicable to both regular retirement benefits and survivors benefits. Therefore, for individuals receiving survivors benefits who have not yet reached FRA, their benefits may be reduced if their earnings exceed this specified limit, just as they would for other types of beneficiaries.

The context here is essential. The earnings test is designed to encourage individuals not to rely solely on Social Security income while still participating in the workforce. It plays a crucial role in broader economic considerations and benefits distribution, ensuring that the system supports those who are primarily dependent on it while also accounting for individuals who may be working and earning income during the transition to retirement or dealing with the loss of a spouse.