496 thoughts on “How You Can Grow Your Social Security Benefits Beyond Retirement Age

  1. i retired at the age of 66 i’d like to work till i’m 70 will they take money away from my social security. at the age 70

  2. If I started collecting benefits at 62 but continue to work part-time and I’m now almost 70 is there any way to get a higher monthly benefit amount if I continue to work. Thank you

    • Hi, Burton, Thanks for your question. Each year, we review the records for all working Social Security recipients to see if additional earnings may increase their monthly benefits. If your earnings for the prior year are higher than one of the years we used to figure your retirement benefit, we will recalculate your benefit amount. If an increase is due, a new monthly benefit amount is established on your record automatically. If you continue to work, remember that starting with the month you reach full retirement age, there is no limit on how much you can earn and still receive your Social Security benefits. For more information, visit here. We hope this information helps!

  3. Where to I sign up for the spousal benefits? I get $635.00 a month and my husband gets over $2,000.00 a month. I know that I am entitled to half of his. WHERE and HOW do I do this?

    • Hi Paula, thanks for using our blog. We will always pay a person’s own retirement benefit first. If their benefits as a spouse are higher than their own retirement benefits, they will get a combination of benefits equaling the higher spouse benefit. However, keep in mind that your benefit as a spouse cannot exceed one-half of your husband’s full retirement amount (not a reduced benefit amount or an increased amount due to delayed retirement credits). So, a person is only going to receive additional spouse’s benefits if their own full retirement benefit (not their reduced benefit) is less than half of their spouse’s full retirement benefit.

      For example, if a worker’s full retirement benefit amount is $1,100, the spousal benefit is 50 percent of that, or $550. However, if that spouse is eligible for a full retirement benefit on their own record of $400, then their actual spouse’s benefit would be an additional $150 which equals that 50 percent. If the spouse waited until their full retirement age to file, they would receive one payment of $550, even though $400 was from their own retirement record and $150 was from their spouse’s record. Benefits are reduced if the individual files prior to their full retirement age.

      To inquire on eligibility, call us at 1-800-772-1213 or you can contact your local Social Security office. Please look for the general inquiry telephone number at the Social Security Office Locator. The number may appear under Show Additional Office Information. Please be aware that our call wait times are longer than normal. We hope this information helps.

  4. I will turn 66 years old on 11/24 and was born in 1954. I will reach full retirement and if I chose to continue working, how much can I earn so it does not effect my benefits? I was told I could earn as much as I wanted and it will not effect my benefits while drawing my monthly SS.
    Thank you!

  5. Hello can you tell me how can you take someone below the poverty level for things like back child support that is wrong in the first place, take away the stimulus check and so people being put at or way below USA poverty is not right but you still let this be done and you wonder why people are living in the street or anywhere they can,I got more to come

    • Hi, Elizabeth. You can work while receiving retirement benefits. If you are younger than full retirement age, there is a limit to how much you can earn and still receive full Social Security benefits. If you are younger than full retirement age during all of 2020, we must deduct $1 from your benefits for each $2 you earn above $18,240. If you reach full retirement age during 2020, we must deduct $1 from your benefits for each $3 you earn above $48, 600 until the month you reach full retirement age. For more information and examples of how this works, please see our publication, How Work Affects Your Benefits. We hope this helps.

  6. Can you back up and pay 8 percent per every year that you took social security benefits form age 62 to 70 and get a do over for your benefits

    • Hi Victoria, thanks for using our blog. If you apply for Social Security benefits and you change your mind about when they should start, you may be able to withdraw your Social Security claim and re-apply at a future date. However, if you change your mind 12 months or more after you became entitled to retirement benefits, you cannot withdraw your application. Also, keep in mind that you must repay all the benefits that you and your family received. For more information, go to our web page on Withdrawing your Application. We hope this helps!

  7. If I choose to take my Social Security payment before my full retirement age, will my Military Pension pay be affected? If so, how? (I guess my question is IF I collect before full retirement age, but keep working, is there a limit or would there be deductions from my SS Montyly Payment?

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