Can you draw unemployment and social security at the same time?


Can you draw unemployment and social security at the same time?

Thank you,

Larry Higdon


According to

Unemployment insurance benefits are not counted under the Social Security annual earnings test and therefore do not affect your receipt of Social Security benefits. However, the unemployment benefit amount of an individual may be reduced by the receipt of a pension or other retirement income, including Social Security and Railroad Retirement benefits.

You should contact your state unemployment office for information on how your state applies the reduction. You can find contact information at the Careeronestop Pathways to Career Success website.

So, collecting unemployment insurance benefits do not affect your social security benefits, but the reverse is governed at the State level. For example, from NYS Department of Labor:

Q: Does receiving Social Security affect my benefits?

A: We do not reduce your unemployment benefits because you collect Social Security. You must be able to work and be looking for work with no restrictions when you receive Social Security.

So check with your State unemployment office and you should be able to determine the correct answer for you.

I hope this helps.


About the Author

By , on Sep 1, 2012
The following is a question submitted by our reader. You can see all questions submitted here, and submit your question here. Please remember that our answers are opinions and should not be considered professional advice and we assume no responsibility of any kind. Please consult a financial expert as needed.

Leave a Reply

Your email address will not be published.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



The information on this site is strictly the author's opinion. It does NOT constitute financial, legal, or other advice of any kind. You should consult with a certified adviser for advice to your specific circumstances.

While we try to ensure that the information on this site is accurate at the time of publication, information about third party products and services do change without notice. Please visit the official site for up-to-date information.

For additional information, please review our legal disclaimers and privacy policy.


Moolanomy has affiliate relationships with some companies ("advertisers") and may be compensated if consumers choose to buy or subscribe to a product or service via our links. Our content is not provided or commissioned by our advertisers. Opinions expressed here are author's alone, not those of our advertisers, and have not been reviewed, approved or otherwise endorsed by our advertisers.