faux saint laurent bagfaux saint laurent bagCan I Collect Social Security While I'm Working? Can I Collect Social Security While I'm Working? But continuing to draw income from work might reduce the amount of your benefit if you claim Social Security before you reach full retirement age (FRA), the age when you qualify to collect 100 percent of the maximum benefit allowed from your earnings history. Full retirement age is 66 years and 4 months for people born in 1956 and will rise two months for each subsequent birth year until it settles at 67 for those born in 1960 and later. Prior to FRA, Social Security doesn't consider you fully "retired" if you make more than a certain amount from work, and it will deduct a portion of your benefits if your earnings exceed that limit. If you are receiving benefits and working in 2023 but not due to hit FRA until a later year, the earnings limit is $21,240. 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 - $8,760 over the limit - Social Security will deduct $4,380 in benefits. Suppose you will reach full retirement age in 2023. In that case, the earnings limit is $56,520, with $1 in benefits withheld for every $3 earned over the limit. That applies until the date you hit FRA: past that, there is no benefit reduction, no matter how much you earn. In fact, Social Security increases your monthly benefit at that point so that over time you recoup benefits you lost to the prior withholding. If you receive wages, earnings-limit calculations are based on your gross pay; if you're self-employed, Social Security counts your net income only. The Social Security pamphlet "How Work Affects Your Benefits" and its Retirement Earnings Test Calculator can provide more details. Keep in mind faux saint laurent bag
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