Social Security reporting requirements for Quadro pension distribution while collecting early retirement at 62

Yes, you should report this pension distribution to Social Security. The key question is whether this Quadro pension (I assume you mean QDRO - Qualified Domestic Relations Order) is from employment where you or your ex-spouse paid into Social Security. If the work was not covered by Social Security (like some government jobs), it could trigger the Windfall Elimination Provision (WEP) or Government Pension Offset (GPO). Also, while the annual earnings test limit for 2025 is around $22,320 if you're under Full Retirement Age, pension payments generally don't count as "earnings" for this test. The earnings test only applies to wages or self-employment income. However, you should still report it to make sure SSA has all your current income information.

i had something kinda like this happen when i got divorced. the qdro pension money doesnt count for the earnings test, thats only for if ur still working somewhere. but u still gotta report any income for tax purposes. the SS office told me pension stuff doesnt affect benefits

I went through this exact situation last year. The QDRO distribution won't count toward the earnings test limit, but it WILL count as income for tax purposes, which might make more of your Social Security benefits taxable depending on your overall income. The important thing to understand is that there are two separate issues: 1) The earnings test (which can reduce benefits if you're working) 2) Taxation of benefits (based on your combined income) For #1, your QDRO won't matter. For #2, it might increase how much of your SS benefits are taxable. I'd recommend reporting it through your mySocialSecurity account online under "Report Wages" section, or by calling your local office.

WAIT! You retired on EARLY Social Security at 62 because of medical issues?? Why didn't you apply for DISABILITY instead??? You get your FULL benefit amount with disability! You're probably losing HUNDREDS every month by taking early retirement instead of disability if your medical issues are documented!

My brother got a qdro last year and didnt tell social security anything about it. hes fine. i think youre overthinking this honestly

Have you tried calling the SSA to ask this question directly? I was in a similar situation trying to reach them about my benefits last month and kept getting disconnected or waiting for hours. I discovered a service called Claimyr (claimyr.com) that got me connected to an agent in under 10 minutes. They have a video showing how it works here: https://youtu.be/Z-BRbJw3puU They helped me bypass the standard wait times, and I was able to get clear answers about my pension reporting requirements. Sometimes getting official confirmation directly from SSA is the only way to be 100% certain.

btw make sure ur putting that qdro money someplace smart, those high yield savings accounts seem good but with inflation theyre still losing u money long term. my sister lost a bunch of her divorce settlement that way

To summarize the correct information for you: 1. QDRO distributions don't count as earnings for the Social Security earnings test, so they won't reduce your early retirement benefits 2. However, they will count as income for determining if your Social Security benefits are taxable 3. You don't need to specifically report the QDRO to Social Security Administration, but you do need to report it on your tax return 4. If your ex-spouse's pension was from work where Social Security taxes were paid, then WEP/GPO won't apply to you Hope this clarifies everything and reduces your stress about the situation!