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  • 7 Things to Know About Working While Getting Social Security
    Social Security maintains a “retirement earnings test” for people who claim benefits before reaching full retirement age (FRA), currently between 66 and 67 depending on your year of birth If your work income exceeds a certain threshold, the Social Security Administration (SSA) temporarily withholds a portion of your monthly payment
  • Can I work and collect Social Security? - AARP
    If you are receiving benefits and working in 2025 but not due to hit FRA until a later year, the earnings limit is $23,400 You lose $1 in benefits for every $2 earned over the cap So, if you have a part-time job that pays $30,000 a year — $6,600 over the limit — Social Security will deduct $3,300 in benefits
  • Do Social Security Benefits Increase If You Continue To Work? - AARP
    Social Security uses your lifetime average for monthly income, as calculated from your 35 highest-earning years and adjusted to reflect historical wage trends, as the basis for your benefit calculation Even if you’ve already claimed your benefits, Social Security annually recalculates this average, factoring in any new income from work
  • Do I Get Back Money Social Security Withholds Because I Work? - AARP
    Suppose you turn 62 in 2025 and claim Social Security Your monthly benefit is $1,200 and you earn $28,000 a year from a part-time job For the year, Social Security withholds $2,300 from your payments (half of the $4,600 that exceeded the earnings limit) That works out to about two months of benefits lost
  • What Happens if You Work After Starting Social Security? - AARP
    In this example of a $5,520 reduction, let's assume your benefit is $1,000 a month That would mean you wouldn't receive your first six monthly checks, or $6,000, says William Reichenstein, head of research at software and consulting company Social Security Solutions Social Security would later send you the amount overwithheld, or $480
  • Can You Work and Still Collect Social Security? - AARP
    Higher monthly benefit For instance, if you continue to make the median income for the next five years until your full retirement age at 67 and continue to flunk the retirement earnings test, Social Security officials will give you credit for all five additional years of work and say you retired at age 67 even though you filed at 62
  • Working Part-Time While Getting Disability Benefits - AARP
    Yes, you can work while receiving Social Security Disability Insurance (SSDI) benefits, but only within strict limits Payments will stop if you are engaged in what Social Security calls “substantial gainful activity ” SGA, as it’s known, is defined in 2025 as earning more than $1,620 a month (or $2,700 if you are blind)
  • When Does The Earnings Limit End for Social Security? - AARP
    In 2025, if you collect benefits before full retirement age and continue to work, the Social Security Administration (SSA) will temporarily withhold $1 in benefits for every $2 you earn over $23,400 If you will reach FRA in 2025, the earnings limit goes up to $62,160 and $1 is deducted from your benefits for every $3 you earn over that
  • Spouses Income and the Social Security Earnings Limit - AARP
    Keep in mind One more wrinkle: If you are receiving spousal benefits, are below full retirement age and are working, your own work income is subject to the earnings limit and could reduce your payment
  • Can I Collect a Deceased Spouses Social Security and My Own? - AARP
    Otherwise, you will need to apply for survivor benefits by phone at 800-772-1213 or in person at your local Social Security office If you opt to apply at an office, call ahead of time to schedule a visit As of Jan 6, 2025, Social Security requires appointments for most in-person services





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