Сезонные водители в Аляске могут сохранить пенсию, правильно оформив доходы

Alaska's ice road season can load a trucker's W-2 with earnings that look catastrophic for Social Security, but the calendar hides a rule most seasonal workers never think to use. By Gerelyn Terzo Published September 9, 2026, 6:03am ET · 3 min read This post may contain links from our sponsors and affiliates, and Flywheel Publishing may receive compensation for actions taken through them. Three Months of Work, Nine Months of Retirement Tesla recently put its Semi through an icy Alaska test, showing just how much technology goes into keeping a loaded trailer under control when traction disappears. The machinery may be changing. The unusual economics of seasonal northern work are not.” Picture a trucker in his early 60s who makes most of his annual pay during one brutal stretch hauling loads across frozen terrain. He works long shifts, earns $75,000 before spring and then parks the truck when the season ends. If he starts Social Security later that year, the $75,000 on his W-2 appears to create a problem. It is more than three times the annual earnings limit. Social Security has a rule built for exactly this kind of year. The First-Year Rule For someone below full retirement age (FRA), which is 67 for people born in 1960 or later, the normal 2026 earnings limit is $24,480. Social Security withholds $1 in benefits for every $2 earned above it. On $75,000 of wages, that formula produces $25,260 of excess-benefit withholding. That could wipe out much of a year’s Social Security. But during one year, usually the first year of retirement, Social Security can switch from the annual test to a special monthly test. In 2026, someone under FRA can be considered retired for any whole month in which wages are $2,040 or less and the person does not perform substantial services in self-employment. So if our driver finishes the ice season, becomes entitled to benefits and earns nothing for the rest of the year, those later months can still produce full Social Security checks even though his annual earnings sailed past $24,480. The annual total did not change. The calendar did. Owner-Operators Face Another Test For a W-2 driver, monthly wages are the central question. An owner-operator has another hurdle. Social Security looks at whether the person continues performing substantial services in the business. More than 45 hours in a month generally counts as substantial, and even 15 to 45 hours can count in a highly skilled occupation. That means parking the rig does not necessarily mean retiring for the month if the owner is still actively running the business. For seasonal self-employed workers, hours can matter as much as income. A Late Check May Belong to the Old Season There is another wrinkle that suits seasonal work especially well. Suppose a bonus, accumulated vacation pay or other compensation arrives after the trucker stops working. Social Security recognizes certain “special payments” that were earned before retirement even though they were paid later. Those payments may be excluded from the earnings test, but Social Security may need to be told what they represent. So the date money reaches the bank account does not always tell the whole story either. The Break Lasts One Year The special monthly rule is not a permanent seasonal-worker loophole. It generally applies for one year. After that, the normal annual earnings test takes over until FRA. A driver who returns for another lucrative ice season the following winter cannot assume he will collect benefits during the quiet months under the same monthly treatment. And benefits withheld under the earnings test are not simply lost. At FRA, Social Security adjusts the retirement benefit to account for months in which checks were withheld. It is an adjustment to the future benefit, not a lump-sum refund. Before Filing, Put the Season on a Calendar For someone whose working year is measured in seasons instead of quarters, these three steps can make a surprisingly large difference: Record exactly when the season ended and what wages were earned in each later month, rather than looking only at the annual W-2 total. If self-employed, keep track of hours spent working in the business after the driving stops. Tell Social Security about bonuses, vacation pay or other late payments that were actually earned before retirement so they can be treated correctly. On Alaska’s ice roads, the end of the season matters. In the first year of Social Security, it can matter almost as much as how much the driver earned while the road was frozen. Contact [email protected] for any questions or corrections. Gerelyn Terzo Gerelyn Terzo is the author of dividend investing handbook "Dividend Investing Strategies: How to Have Your Cake & Eat It Too." A veteran financial journalist, she covers agri-finance for outlets like Global AgInvesting and the broader stock market and personal finance for 24/7 Wall Street. She began at CNBC and later helped launch Fox Business in New York. Gerelyn currently resides in Woodland Park, Colorado and dabbles in nature photography as a hobby. All articles →