Retirement life is different for everyone. Social Security is here to secure today and tomorrow, whether you sail into the sunset or decide to continue working. Some of our rules allow you to receive Social Security retirement or survivor benefits and work at the same time, as long as you don’t make more than Social Security’s annual earnings limit. For 2017, that limit is $16,920.
If you’re younger than full retirement age and make more than the yearly earnings limit, we’ll reduce your Social Security benefits. But starting with the month you reach full retirement age, we will not reduce your benefits, no matter how much you earn. Our retirement planner explains the requirement and deductions, and what happens after you reach full retirement age.
Two of our online tools can help you find the information you need to make the right decision for you. You can find your full retirement age based on your date of birth by using our Retirement Age Calculator. Our Retirement Earnings Test Calculator can help you find out how much your benefits may be reduced if you are working and haven’t reached your full retirement age.
There are several things to consider if you plan to continue working after you retire. Our website gives you detailed information for the type of employment that you have. It also explains what types of pensions, annuities, and income do not count toward your earnings limits.
Additional earnings after you start collecting benefits might increase your monthly benefit. If there’s an increase, we’ll send you a letter telling you of your new benefit amount. If you think your earnings will be different than what you originally told us, let us know right away. For more information, read How Work Affects Your Benefits or visit our website. No matter what you decide to do with your retirement life, you can count on Social Security.
I retired at 62. I turn 65 in June next year. Can I aply for Medicare at that time?
What happens when you early retirement happens on your job..
You should definitely apply for Medicare within that 6 month period when you turn 65, In your case (April-Aug of that year you turn 65). If you are already receiving Social Security, the Medicare cost will automatically come out of that benefit. If you waiting to apply for Social Security, you will be paying Medicare cost directly until you receive Social Security. Don’t delay applying for Medicare as the cost will go up because of the penalties they will incurr on your cost.
To clarify. If you are not already getting retirement benefits, you should contact us about three months before your 65th birthday to sign up for Medicare. If you are already getting Social Security retirement benefits, you will be enrolled in Medicare Parts A and B automatically. Thanks!
If she is ALREADY collecting Social Security before age 65, her Medicare will come to her via mail automatically. No need to go apply!! Contact your local HIICAP Counselor…they will fill you in!
Thank you for your question, Yolanda. If you are already getting Social Security retirement benefits, you will be enrolled in Medicare Parts A and B automatically. However, because you must pay a premium for Part B coverage, you have the option of turning it down. If you are not already getting retirement benefits, you should contact us about three months before your 65th birthday to sign up for Medicare. We hope this information helps!
Yes. You are eligible for Medicare if you are 65 years of age, worked 10 years or 40 quarters in the US, or are under age 65 and have a disability.
Yes, and if you receive payments from SSA you are automatically enrolled.
You can apply for Medicare Part B 3 months prior to turning 65. IF you are not currently – or will not be – taking your Social Security, you will need to actively sign up for Medicare Part A & B….then you can either sign up for a Medicare Advantage plan or a Medicare Supplement plan/RX plan. Medicare A & B cover about 80% so you will need either a Medicare Advantage or Medicare Supplement plan to help pay all or most of that 20%. Remember you will have copays for your medications as well.
I am now 62. I Work full time. Was married over 30 plus years and recently divorced. Can I work full time and collect now under my x spouse (now 63) even if he is not taken SS until he reaches 66.
I turned 65 last year. I started to receive an abundance of communications in the mail. It was overwhelming. I met with my case worker at the Human Services office. She walked me through the entire process. There are also local agencies that can assist you.
Hello Yolanda ,
You should apply for Medicare three(3) months prior to eligibility. In your case in March of next year since you turn 65 years YOUNG in June.
I have been learning about this since my wife turns 65 in March and l turn 65 years YOUNG in August. Please stay healthy and active.
God bless you,
Waleed🕊
Sure – That is exactly the right time to apply for Medicare Part A. Other things might impact your decision to apply for Medicare Part B
I RUSH TO RETIRED BUT I AM NOT I AM AN DISAbility status.
Good for you!
If I wait until age 70 to start collecting benefits, but I continue working past that date, how can I determine if my benefits will rise with the additional contributions?
They are (Social Security) sending out chart of potential benefits to everyone not claiming benefits until you claim benefits.
We currently mail Social Security Statements (Statements) to workers age 60 and over who aren’t receiving Social Security benefits and do not yet have a my Social Security account. Click here for more information.
Thank you for your question, Doug. Each year, we review the records for all working Social Security recipients to see if additional earnings may increase monthly benefits. If your earnings for the prior year are higher than any of the years that was used to compute 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.
Remember that the first year you pull Social Security benefits that your earning cap is low – if you earn more than that the first year of SS benefits your SS will taxed quite considerably……after the first year all that changes. PLEASE review with Social Security before you plan on monies you may not receive the first year.
I am 65 years old and I haven’t draw my social security. If I reach the age of 66 years old will my benefits be the same. I am also retired from the Military. Please send me an email of my questions
When can I received an email
My understanding is that your SS benefits will increase by about 8% each year you wait to receive SS benefits until you reach 70.
Please visit our Retirement Planner: Delayed Retirement Credits web page for more information.
Unfortunately, we do not have access to personal information, therefore, we do not do direct messaging in this venue. Remember that many of our services are conveniently available anytime at our website. We encourage individuals to create a personal my Social Security account to learn more about their Social Security benefits. Thanks!
You’ll receive more each month if you wait until age 66 and you’ll receive 12 fewer payments.
Hi, Wilfredo. You can get both Social Security retirement benefits and military retirement. Generally, we do not reduce your Social Security benefits because of your military benefits. For Social Security retirement benefits, we use the individual’s highest 35 years of earnings to compute monthly benefit amount. However, if you decide to get benefits before your full retirement age, they will be reduced. In the other hand, starting to receive benefits at or after your full retirement age may result in larger benefits. In your case you may need to use our Early or Late Retirement Calculator. Our website provides a Retirement Estimator and various benefit calculators. Which calculator you choose depends on what you want do. Happy planning!
Hello,
Our monthly earnings for 35 years, upon which our SS retirement is based, are adjusted for wage growth (indexed) before they are entered into our retirement calculation. Why is it at age 50 our reported earnings stop being increased by indexing? If we retire at 62 or 66 (Full Retirement Age-FRA), that would mean the last and highest paid 12-15 years of our 35 year wage history (almost half) will not be increased by indexing. What is the logical reason for this after age 50 discrimination?
I retired at 62 because of my back and leg pain. Just had spine surgery in July and I am almost completely out of pain. I plan to take it fairly easy for a while as the doctor told me. Then I may return to one of my hobbies so I can keep active. Thanks for all the updates so if I am ever able to return to a small paying job l can do so. I’m glad you don’t forget about the little guy.
Thank you for your comment Nelson, please visit our Retirement Planner: Getting Benefits While Working for important information should you go back to work. We wish you a full recovery!
I’m 63 years old 2017.. Retired from my job.. what’s my status
You could receive retirement if you have 40 quarters of coverage and you bother to file for benefits.
Hi, Lucinda. The earliest age to apply and receive Social Security Retirement Benefits is 62, but if you decide to get benefits before your full retirement age, your benefits will be reduced. Also, you can create a My Social Security account to review your earnings record and get an estimate of your future benefits. We hope this information helps.
it doesn’t seem fair to me that some people on SSI can get a lot more per month than a Person like myself, who has worked since 1969 straight with never collecting any hand outs like welfare or unemployment. I have a friend who also was a co worker and he is only 35. He does indeed have major medical problems now. He receives $3200 per month with no children and his wife has a good job. If I had paid in the max over my lifetime, at age 66, I could only receive $2540 which is the max. Something is definitely wrong in Washington! The same also applies to people who come to our fine country to live, and they are paid more than us average workers!
If you are 65 you can receive SSI also if your income is no more than $20 higher than the SSI full amount. Sounds fair to me. And for those who come to this country, generally they can’t get anything for at least 5 years. Their sponsors have to support them. Maybe you should have had a more substantial job and paid into the max. You didn’t so you only get paid the amount you deserve based upon your earnings. Sounds fair to me.
I get over $50K/year in free Social Security Disability and VA Disability money. It was very easy for me to get free tax free disability money for a mental disorder. You see a psychiatrist and before you even walk out of the office, you will have several severe mental disorders diagnosis and several prescriptions to go with each diagnosis. The psychiatrist gets paid by the pharmaceutical companies to write prescriptions and they need to diagnose you with a mental disorder in order to prescribe it. You might not get service-connect by a VA psychiatrist but they will diagnose you with diagnose you with a non-service connected mental disorder when you leave. The psychiatrists will always diagnose you with some kind of mental disorder to stay in business and keep you coming back.
Look at all the new mental disorders they are coming up with no scientific medical understanding. PTSD was considered a anxiety disorder and now is a trauma disorder. The SSA recently added trauma disorder to the mental listing. The SSA also added Eating Disorder to the mental listing. An overweight person can now go to the psychiatrist and say they have an eating disorder and collect Social Security Disability.
I am waiting for gambling disorder to make it onto the SSA mental listing. Lol
Gambling disorder has already made it onto the DSM-V as a compulsive disorder like OCD. I lost my house, car, and job due to the gambling addition. I can’t keep a job due to the gambling addition. Lol
I had a few private psychiatrist call me a fraud, but they don’t care as long as the private insurance or Medicare pays for it. I don’t even have to go “doctor shopping ” and find another psychiatrist. Many claimants go doctor shopping and don’t list the non-supportive doctors on the list of treating source for the SSA.
They leave out non-supportive doctors which sometimes leaves big gaps in their treatment history. The SSA can’t prove that they were doctor shopping. Even if they weren’t doctor shopping, it is illegal to leave out the non-supportive doctors’ medical records.
The monthly-maximum Federal benefit amounts for Supplemental Security Income (SSI) in 2017 are: $735 for an eligible individual and $1,103 for an eligible couple.
The maximum Social Security retirement benefit depends on the age you retire. For example, if you retire at full retirement age in 2017, your maximum benefit would be $2,687. However, if you retire at age 62 in 2017, your maximum benefit would be $2,153. If you retire at age 70 in 2017, your maximum benefit would be $3,538. Please visit our 2017 Fact Sheet for more important information. Thanks!
I wish I could have waited as I planned to do until I reached 66, but life is never fair, as I was forced by job layoffs to retire 18 months ahead of time.
Now that I am past the age of full retirement, I could earn money if I work without having to worry about cuts in my Social Security benefits as long as I have taxes taken out. I have taxes taken out of everything I get because even Social Security is taxable if you get more than $25,000 yearly. I just budget myself to live on a lower income.
Has the 2018 cola for SS been set yet.?
It will be announced soon. It will probably be around 2.3%.
Generally, the Cost-of-Living Adjustment or COLA, which is announced each year during the month of October.
Many of the answers to the questions above are not totally complete. They are misleading. Better not to answer the questions than answer them the way you did
And most of the questions are incomplete due to privacy concerns. Some information is better than no information at all. Many people do not realize that this forum is not designed to answer specific questions but they go ahead and ask anyway.
This blog invites “thoughts”, questions, views, and shared experiences/perceptions. All blogs should be respectful, sincere, honest, and polite. The Comment Policy is available for everyones review.
Thank you for your comment. Please see Social Security Matters – Comment Policy.
I applied & qualified for benefits this month, September. Am I right that I won’t receive my first check until October?
Hi Ann. Social Security benefits are paid the month after they are due. So, for instance, if you want your benefits to begin with the month of September, you will receive your first benefit payment in October. Please visit Schedule of Social Security Payments for more information.
What if your collecting SSD, can you still work? if so what is the limit?
Hi please can you help understand
What is it mean SSD.
Hi Mike. You can try to return to work while receiving Social Security disability benefits. We have special rules to help you get back to work without jeopardizing your initial benefits. You can learn more about how work can affect your benefits by reading our publication, “Working while Disabled- How We Can Help”. Keep in mind that whether you are receiving Social Security or Supplemental Security Income, it is important to let us know promptly when you start or stop working, or if any other change occurs that could affect your benefits. For specific questions and to report changes and update your benefit records, please contact your local office or call our toll free number at 1-800-772-1213 Monday through Friday, from 7 a.m. to 7 p.m. We hope this helps.
It was a bad time so I took retirement at the earliest I could….however, I sincerely wish I had stuck it out and kept working the three more years to full benefits because I am having a terrible time making it on what I get. No other money as I could not afford to save either so….really think about when you take retirement and Social Security. Especially if they steal any more of it from the fund or give it willy nilly away to every Tom, Dick and Harry that wants it, but did not pay into it at all!! They need to relock the fund and leave it locked!
I just turned 62 mid August and just got laid off end of September.
If I begin collecting now, does the $16,920 max earnings begin from the date I begin collecting SS?
Or for the whole of 2017 Including what I already made Jan – Sept ($12,500)
Great question Linda. If your earnings will be over the limit for the year but you will be retired for part of the year, we have a special rule that applies to earnings for one year. The special rule lets us pay a full Social Security check for any whole month we consider you retired, regardless of your yearly earnings. To learn more, please visit our Frequently Asked Questions web page or read “How Work Affects Your Benefits”. Please call our toll free number at 1-800-772-1213 for further assistance. Representatives are available Monday through Friday, between 7 a.m. and 7 p.m. Thanks!
I keep calling and getting a no one is available so I’ll post one more question. Thank you.
With 2 jobs I definitely went over the limit of income for 2017. If I start collecting (I’m 62) December 1st, can I choose December as my (special rule you mentioned above) full pay without penalties month?
IF yes, how do I go about doing that after I file, to also choose December for my ‘special rule’ month
I just signed up for an account with social security ssi. Can I get these news articles sent to my account with social security?
I am on SSDI and SSI. I turn 62 in Jan 2018. My question is, will my benefits then automatically switch to retirement benefits at age 62?
If so, my earnings only allow just over $400 per month, according to my earnings record. I do have an x spouse who I was married to for 10 yrs, can I claim on their record at that time?
Or will my lowly $400 be supplemented with SSI or what?
Do I need to visit SS office?
Am very confused and worried as there is no way I can survive on $400 a month with my medical conditions.
I got my first retirement check Sept 2017 I will turn 66 Nov.6 2017
will I have to pay anything for early retirement and I will continue to work my full time job explain to me if everything is good with that
Hi Barbara, if you were born between 1943 and 1954, then your full retirement age for retirement insurance benefits is 66. If you work and are full retirement age or older, you may keep all of your benefits, no matter how much you earn, starting with the month you reach your full retirement age. However, if you are younger than full retirement age and make more than the yearly earnings limit, this can reduce the number of payments you receive through the year. For 2017 that limit is $16,920. If you applied and received benefits prior to attainment of full retirement age, and work part-time thereafter you will be considered “retired” only if your monthly earnings are $1,410 or less. Also, if your earnings will be over the limit for the year but you will be retired for part of the year, we have a special rule that applies to earnings for one year. Please visit our Retirement Planner: Getting Benefits While Working for more information. If you have specific questions about your situation, please call our toll free number at 1-800-772-1213 and speak with one of our agents. Representatives are available Monday through Friday, between 7 a.m. and 7 p.m. Or contact your local Social Security office directly. Thanks!
I become retired because I was Lay off, then I start to collect retire benefit at 63, now I am 66 mature age, and now I am working again if I keeping working for 48 months more after my 66 years old, even those that I was penalized with 25% deduction in my benefit, it will increase my retire benefit because I will work for 48 months more after the mature age?
Please can you advise about my 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 compute 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. We hope this information helps!
I am on Social Security Disability. If I sue a prospective employer for employment discrimination and future wages, then will my Social Security be offset.
I am too lazy to work, but will this future wage earning offset my Social Security Disability. If I keep on filing out job applications, then sooner or later someone is going to discriminate against me when I ask for accommodation.
I retired at 62 (early), and I started getting benefits at that time. my question is: I have two children under age (4 months and 12 years) with a woman who is not my wife. Can my children receive any benefits and how do I go about it. They were born and live in Mexico with their mother who is living with another man.
Hi, Jose. An unmarried child under age 18 may be eligible for benefits on your record. Since the children live with their mother in Mexico, she can contact her local U.S. Embassy or Consulate to inquire about any possible benefits. Thanks.
Yes, generally speaking, If you acknowledge parentage in writing
After the recent hack on Equifax I suggest setting up a two-factor sign-in on at the Social Security site in order to prevent our checks from being diverted.
First, we would like to let you know that, although we sometimes use Equifax to help verify your identity when setting up a my Social Security account, Social Security never shares Social Security numbers with Equifax. Click here to learn more about “extra protection”. For concerns regarding the Equifax data breach, please contact Equifax directly at 866-447-7559 or http://www.equifaxsecurity2017.com/. Thanks!
If I receive SSI does Social Security automatically take out for Medicare Part A and Part B? I have what is called the “original medicare” I understand that this includes part A and B; however, my Medicare Card only has A on it? How may I get clarification on exactly what coverage I have??
Hi Linda. Generally, we automatically deduct Medicare premiums from individuals who collect Social Security benefits. Unfortunately, but for your security, we do not have access to personal information via this blog. We suggest contacting our toll free telephone number at 1-800-772-1213 and speaking to one of our representatives for specific information on your records. Representatives are available Monday through Friday, between 7 a.m. and 7 p.m. Generally, you will have a shorter wait time if you call later in the day, or later in the week. Thanks!
I am 70 and still work full time, I draw my ssn and have insurance at my job. will I be pentalized if I sign up for medicare now while I am still working?
Thank you for your question Judi. Generally, if you are actively working and covered under your employer’s group health insurance program, you can delay enrollment into Medicare until you stop working or the health coverage is dropped. In these situations, the size of the employer determines whether you may be able to delay Part A and Part B without having to pay a penalty if you enroll later. We always suggest that individuals speak to their personnel office, health benefits advisor, or health plan representative to see what’s best for them, and to prevent any penalties or delayed enrollment in the future. To learn more about the Medicare enrollment periods visit http://www.medicare.gov. We hope this information helps!
what is the maximum amount I can make without my social security getting taxed I am full retirement age (66)
I’m 62 and signed up for SS to begine in Jan.
My job will probably last a few months into 2018. My monthly income will zero out my ss benefits. My question is, is my earnings cap based on monthly earnings or yearly?
how much longer do i need to go before i am through paying my penilty off for making more then i was allowed 2 years ago
Hi Joseph, for security reasons, we do not have access to information about your account in this venue. In your situation, we encourage you to contact your local office or call our toll free number at 1-800-772-1213 (TTY 1-800-325-0778) and speak to one of our agents. Representatives are available Monday through Friday, between 7 a.m. and 7 p.m. Thanks!
I will be 65 in December after Christmas. I plan to retire end of this year. I understand I can work part time job and still get social security benefits but at age 66 will it increase? I was informed at the end of the year my SS benefits would be 93.9 at age 65. Suppose I just get SS at age 65 then at age 66 will it increase? If I don’t work nor get SS benefits but Medicare yes, then when I turn 66 how will that affect getting SS at age 66?
Hi Debra. You can work while you receive Social Security retirement benefits. When you do, it could mean a higher benefit for you in the future. Visit our Retirement Planner for more important information. Thanks!
I need to let Andrea that I am Devorice and I want direct express payment.
My sister reached full retirement in March 2017. She has been drawing benefits for a couple of years, so has had her benefits reduced. Now at age 66 1/2 she is being told that the payment reduction continues because of past monies owed. I thought that the benefit owing is discontinued when reaching full retirement and that the past withholds are repaid as part of an increased benefit. True?
Sorry – need to add she continues to work full time.
Can a person drawing ss at 62 years of age draw at a higher rate if their house sband is still working?
Hi, Priscilla. If a person begins to receive benefits at age 62 or prior to their full retirement age, their benefits are reduced. The reduction factors are permanently applied to all of the benefits the person may qualify for. You may still be eligible to collect a higher benefit amount on your husband’s record. For specific in your case, you can call our toll free number at 1-800-772-1213, Monday through Friday, between 7 a.m. and 7 p.m. and speak with one of our representatives. Remember, if someone is eligible for both, his or her own benefit and for benefits as a spouse, we always pay their own first. If their spousal benefits are higher than their own retirement benefits, he or she will get a combination of benefits equaling the higher spouse benefit. Please visit our Retirement Planner: Benefits For You As A Spouse for more information. Thanks!
It’s totally unfair & wrong for SS to even think they can limit people’s income once they’ve retired. No reason for it other than more gov control keeping the people down.
I work just part of the year and earn less than the $16,920 max for early retirement, although my monthly pay would exceed the $1410 limit my total for the year would be under $16,920 say if I only worked 3-6 months to earn the $16,900.00
Would that effect the monthly benefit.
this would be the case if I only worked winter or summer months or seasonal work but stayed under the yearly max.
Hi David. Generally, we apply a monthly earnings limit when you retire in mid-year and have already earned more than the yearly earnings limit. This is usually the case the first year of retirement. This special rule lets us pay a full Social Security check for any whole month we consider you retired, regardless of your yearly earnings. If you continue to work, we apply the earnings test to all of your wages earned throughout the year.
I have filed for early retirement under age 66,2 mo.
My benefits may start in march of 2018
How will any unemployment benefits, should I receive them effect my social security benefits if I am receiving them when my social security benefits start in March ? I am unsure as of this time whether I will receive the unemployment benefits or not.
Good morning, I will like to make an appointment at 1250 D Buffalo Dr. About what I owe Social Security. I was paid $6,846.00 too much. I will like to know how to paid this back. My name is Vernice H. Baker, Social Security#*** – ** – **** 6365 Mount Eden Dr. 89139
702-802-8064 :cell * 702-272-0486. Thanks
Please call my cell
Hi Vernice. Unfortunately and because of security reasons we do not have access to personal records in this blog and cannot provide assistance in your case. You will need to speak with one of our representatives to resolve the overpayment issue. Please call our toll free number at 1-800-772-1213, Monday to Friday between 7 a.m. and 7 p.m. or visit your local Social Security office for further assistance.
Just a reminder – Please be cautious about posting personal information on social media and communicating personal information via email. Thanks!
How can I use the retirement estimator. It seems to be blocked. Did I block access to my information?
Hi Larry! If you cannot use the Retirement Estimator, please use one of our other benefit Calculators. Which calculator you choose depends on what you want do.
If you are having difficulties with your personal my Social Security account, please call 1-800-772-1213 for assistance. After you hear “Briefly tell me why you are calling,” say “Help Desk” for help with a my Social Security account. Thanks.
If I receive benefits at the full retirement age and continue to work, but there is no limit as to how much I can earn,then why is my SS benefits taxable? That seems unfair, hasn’t the benefits been taxed before?
Thank you for your comment, Virginia. Current federal law, requires everyone working in covered employment or self-employment regardless of age or eligibility for benefits to pay Social Security and Medicare taxes.
For further income tax questions, you will need to contact the IRS. Their toll-free number is 1-800-829-1040.
If you make to much you have to pay taxs. ss allredy been taxed
patrick connolly SS #2463
I am blocked from ss site.
Signed in with wrong p/w.
Need help re-establishing use of site.
Thanks
Patrick Connolly
Hi Patrick, if you are having difficulties with your personal my Social Security account, please call 1-800-772-1213 for assistance. After you hear “Briefly tell me why you are calling,” say “Help Desk” for help with a my Social Security account. Thanks!
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I will be 69 years of age on 5/13/2018.
I have worked past my full retirement age of 66, and have not taken benefits yet.
I am thinking of applying for Social Security when I turn 69.
If I apply on 1 May instead of 13 May (my birthday) will I be credited fully to age 69?
Also, is Social Security always paid on the 1st of the month, or is it “staggered” to mid-month?
Thank you for your time.
Hello Mr. Hartman, you may find our Early or Late Retirement Calculator helpful. Remember that benefits are paid the month after they are due. So, for instance, if you want your benefits to begin with the month of May, you will receive your first benefit payment in June. When you are ready, you can complete your application for retirement benefits online. Happy planning!
I plan retire at 62, born June 15, 1958, how much can I make annual working while taking early retirement penalties ? I was told in 2017 by SSI agent $17,000.00 , has that figure gone up as by our new president ? I’ll retire June to July of 2020, top 1st check to get about August 4th if retire in June .please,reply, Ken
Hello Kenneth. For 2018 that limit is $17,040. Please keep in mind, this amount changes every year.
Also, you have to be 62 throughout the entire month to be eligible for a payment, which means that if you decide to retire at age 62, you will be eligible for your retirement benefits in July, and you will receive your first payment in August. See Payment Dates for more information on this topic.
You can still work and receive your Social Security retirement benefits at the same time. However, if you are younger than full retirement age and make more than the yearly earnings limit, this can reduce the number of payments you receive through the year.
We have a special rule that applies to people who retire in the middle of the year. Please visit our Retirement Planner: Getting Benefits While Working and read our publication How Works Affect Your Benefits for more information.
If I reach Full Retirement in October 2018 when should I notify SSA about starting my SS check.
Thank you for your question, David. Our system is set up to take applications three months in advance. When ready, you can apply for your benefits online. Please visit our Social Security Retirement Planner for more information.
If I retire and sign up to receive Social Security am I permitted to wok part time to have something to do? If so how much am I permitted to earn so it doesn’t effect my benefits.
hello David! Yes, you can work while you receive Social Security retirement benefits. Visit our Retirement Planner: Getting Benefits While Working for information on how your earnings may or may not affect your Social Security benefits. Thanks.
I am turning 65 but still working what do i need to enroll in A or B
Hello Beatres! Individuals within three months of age 65 or older and not ready to start their monthly cash benefits can use our online retirement application to sign up for Medicare ONLY and apply for their retirement benefits at a later date.
A beneficiary may refuse Medicare Part B, during his or her Initial Enrollment Period, if that beneficiary or the spouse, actively works and has coverage under a group health plan based on that employment, then he or she doesn’t need Medicare part B until the work activity ends or that health care coverage is dropped. However, we always suggest that individuals speak to their personnel office, health benefits advisor, or health plan representative to see what’s best for them, and to prevent any penalties or delayed enrollment in the future.
To learn more about the Medicare enrollment periods visit http://www.Medicare.gov or visit our Medicare web page for more information. Hope this helps!
I am 73 and am receiving Social Security benefits. I started a 1099 job and will be paying taxes quarterly. This will include social security taxes right? If so will this increase the amount of social security benefits I receive?
Thanks
Courtney Corgan
ccorgan5@cox.net
Thank you for your question, Courtney. Everyone working in covered employment or self-employment regardless of age or eligibility for benefits must pay Social Security taxes.
Generally, if you continue to work while receiving retirement benefits, your monthly benefit amount may increase. Each year, we review the records for all working Social Security recipients to see if additional earnings may increase monthly benefits. We hope this helps!
If I work and getting early retirement what is taxed? This is for my husband. We don’t understand.
See our Benefits Planner: Income Taxes And Your Social Security Benefit. For further income tax questions, you will need to contact the IRS. Their toll-free number is 1-800-829-1040. Thanls!
How much can I earn in 2018 while drawing social security? I am 65 years old.
My wife is short. A few credits I will be. 66 April 30. Born 1952. Her 5-2-1053 will she be eligle to receive. Part of mine she retires. In July from. Teachers retirement thanks
I would like to know how much are we allowed to receive on our income tax return
If you arr on social security retirement.
can I draw social security without having medicare ? Situation still working with health insurance .
Thank you for your question, Armand. Most people should enroll in Part A when they turn 65, even if they have health insurance from an employer. This is because most people paid Medicare taxes while they worked so they don’t pay a monthly premium for Part A.
Generally, individuals can decline or delay enrollment into Medicare Part B, during their Initial Enrollment Period (IEP) when covered under an employer’s group health insurance coverage (current employment). However, we always suggest that individuals speak to their personnel office, health benefits advisor, or health plan representative to see what’s best for them, and to prevent any penalties or delayed enrollment in the future.
If you are 65 or older and not ready to start your monthly cash benefits yet, you can use our online retirement application to sign up for Medicare ONLY and apply for your retirement or spouses benefits later.
To learn more about the Medicare enrollment periods visit http://www.Medicare.gov.
I retired early and came back to work full time. What do I need to do and when to do it. I will surpass the 17000.00 this month. I have been told to take the check stub from when I go over the limit 17000.00 to an ssa office so my benefits can be stopped. Is this true? And what about reinstating such benefits in case I do not work anymore, will they be reinstated automatically?
Dear Sir/Madam:
Since birth, my left arm is smaller than my right arm and I can not lift up until now I am already 79 years old. Is there any benefit I am entitled for? Your response is greatly appreciated. I remain,
Respectfully your,
Flor E. Balecha
Thank you for your question, Flor. You cannot apply for Social Security disability if you have already reached your full retirement age, which is currently 66 and 4 months for individuals who attain age 62 in 2018.
The Supplemental Security Income (SSI) is a needs based program that pays benefits to people with limited income and resources who are disabled, blind, or age 65 or older. To see if you’re eligible, call our toll free number at 1-800-772-1213. Representatives are available Monday through Friday, between 7 a.m. and 7 p.m.
Also, some individuals may be eligible to receive additional assistance from the state in which they live. These services include Medicaid, free meals, housekeeping help, transportation or help with other problems. You can get information about services in your area from your state or local social services office.
You can also visit the U. S. Department of Health and Human Services (HHS) web page for more information. We hope this helps!
The only information I can find here is for those who continue to work while receiving Social Security Benefits.
My husband retired with Social Security Benefits at age 67, in 2016, his Full Retirement age is 66. He is now 69 and was offered a well paying job. A friend of his told him he had to wait until age 70 if he will earn a substantial amount….. If he takes this job, will it have any negative effect on his benefits? If he makes $100,000 in a year…then quits….will it have any effect?
hello. i get 1200 a month but 50 is taken out each month because I made too much money last year.
how much am I allowed to make each month at a job or other work?
Starting 09/05/2018 I am full retirement ( 66 Year olds – was born 09/05/1952). If some the month as May, June, July, August 2018 I earn $1470.00 a month. Is this amount
influence to my benefits( now got SSA – $990-134 for Part B= $856).
Please reply to me by Email.
Thanks
if I am of full retirement age and receive social security and continue to work can I substitute out new work history to increase benefits?
Within about 6 months ago, I began a part time job at a local hardware store making minimum wage. Will my monthly benefit increase since social security is being taken out of my check?
I will be 62 in August what month will i need to apply if I decide early retirement
August of this year I will be 62 if I decide early retirement when Can I start my application
I am 70 years old and am about ready to claim my Social Security Retirement benefits. The projected monthly benefit I was shown at a visit to my local Social Security office in March 2018 will not cover my living expenses. I will need to continue working unless I can get the benefit up. My local office said my Monthly Benefit Amount may increase if I do continue working. Which calculator do I use to determine what effect different levels of future earnings will have on raising my Monthly Benefit Amount?
The local office said they were unable to run scenarios for me for different future earnings levels. However, does the local office have access to a calculator or service they don’t know about that could help them run scenarios with me? Do your over-the-phone offices or online offices have access to a calculator that they can use with me?
Such scenarios run, either by me on some calculator you suggest, or run with the help of one of your offices, would help me determine what level of continued employment I should be seeking: i.e. full time, part time, high stress/higher pay, pleasant work/lower pay.
The local office did say one thing: Any year in which my future employment resulted in an income of more than $6320.00 in a year would bump my monthly benefit up as that was the “AIME” for the lowest annual earning year of the 35 years of earnings that determined the monthly benefit they quoted me at my visit. This was because earnings in the future that were above that $6320.00 amount of my lowest earning year would bump that low earnings year out of my benefit calculation and replace it with a higher earnings amount that would entitle me to an increased monthly benefit. How much would future earnings of $12,000 or $24,000 or $32,000 or $48,000 annually increase my monthly benefit is what I would like to know.
My birthdate is 1/6/1952. My current full retirement benefit is 2213 per month. If I begin receiving SS retirement in July 2018 and continue to work, will my retirement benefits increase? I usually make $50 per hour. I want to continue to work 3 days per week and take 8 weeks off per year.
My estimated annual income would be 52,800. If I take my SS retirement in July 2018 and earn 52,800 per year, how will this impact my SS retirement benefits?
If I start collecting benefits at age 66 how much can I earn yearly without it affecting my benefits?
Hello Kevin, please visit our Benefits Planner: Getting Benefits While Working for specific information on this topic. Thanks!
How much is the limit of income for 2018? While still receiving SSI?
hi , SSI rear,s i have a problem creating acc, for myself. so i watch the video on instructions how to make an account online, but my name as it,s on my ss# DOB well i,m on ssa been getting benefits for 7 years now please help save getting my new information updating my #phone new address after the lettter i received , i mailed my info; updated PG_E bill and letter my roommate wrote stating we share rent 650.00 unties also this been really upsetting cause it,s like social security does not recognizing me at all ?????? MR> paul k. costello #2094034504/ 1272 airport way stun, ca. 95205 sincerely mine PKcostello 06/10/2018
Thank u , social security repr. assisting is appreciated o.k.
Unfortunately, and because of security reasons we do not have access to personal records in this blog. Please call our toll free number at 1-800-772-1213 for assistance. Representatives are available Monday through Friday, between 7 a.m. and 7 p.m. Generally, you will have a shorter wait time if you call later during the day or later in the week.
Just a reminder – Please be cautious about posting personal information on social media. Thanks!
Thanks for another informative site. Where else could I get that kind of information written in such an ideal way? I’ve a project that I’m just now working on, and I have been on the look out for such information.
We appreciate your thoughts. Thanks for your comment!
I am 69 years old, in good health and wanting to go back to work part time, What is the maximum amount of income I can make without effecting my social security income. I am married ( who is 65 this year) and we file jointly both are
Thank you
Great question John, if you were born January 2, 1943, through January 1, 1955, then your full retirement age for retirement insurance benefits is 66. If you work and are full retirement age or older, the amount you make at work will not affect your Social Security benefits, no matter how much you earn.
Please read our publication “How Work Affects Your Benefits” for more information.
I am 69 and am still working full time, but did start collecting when I was 62. Will my income increase my social security amount in the future?
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Clarification please, for my specific circumstances: I will reach “full retirement age” (that is 66, or is should I use 66 years and 4 months?) in October 2018. To date, I have earned wages of $25,300 and expect to have a minimum of (5) more bi-weekly paychecks of approximately $1500 each (gross) between now and my 66th birthday.
Since this is my first year drawing benefits, I understand there is a special rule which in my case, essentially exempts my earnings to date. I would like to have this rule explained with regard to my situation.
The bottom line question is this: what can I earn between now and my “full retirement age” without having my monthly benefit reduced? Assuming some of it is not exempt, would you give me an estimate of the reduction amount? Also, do I understand correctly that any amount that is withheld will be returned to me in 2019?
Hi. If you were born between 1943 and 1954, then your full retirement age for retirement insurance benefits is 66. If you work and are full retirement age or older, you may keep all of your benefits, no matter how much you earn, starting with the month you reach your full retirement age. However, if you are younger than full retirement age and make more than the yearly earnings limit, this can reduce the number of payments you receive through the year. For 2018 that limit is $17, 040. If you applied and received benefits prior to attainment of full retirement age, and work part-time thereafter you will be considered “retired” only if your monthly earnings are $1,420 or less. Also, if your earnings will be over the limit for the year but you will be retired for part of the year, we have a special rule that applies to earnings for one year. Please visit our Retirement Planner: Getting Benefits While Working for more information. If you have specific questions about your situation, please call our toll free number at 1-800-772-1213 and speak with one of our agents. Representatives are available Monday through Friday, between 7 a.m. and 7 p.m. Or contact your local Social Security office directly.
I have worked several years after i started to collect social security.Money was taken out for social security and the programs.Did that money go into my account?
Hello Donna, you can get your personal Social Security Statement and review your earnings record online by using your my Social Security account. Or you can call our toll free number at 1-800-772-1213. Representatives are available Monday through Friday, between 7 a.m. and 7 p.m. Thanks!
I have worked several years after i started to collect social security.Money was taken out for social security and the programs.Did that money go into my account?
Hello Clyde, you can get your personal Social Security Statement and review your earnings record online by using your my Social Security account. Or you can call our toll free number at 1-800-772-1213. Representatives are available Monday through Friday, between 7 a.m. and 7 p.m. Thanks!
I am 85 years old and collecting full retirement benefits. Can I work without getting penalized?
Thank you for your question, Paul. If you work and are full retirement age or older, the amount you make at work will not affect your Social Security benefits, no matter how much you earn.
Please read our publication “How Work Affects Your Benefits” for more information.
I am fully retired and getting Social Security benefit.
But I am still working and paying Social Security contribution.
After I stop working, can I get back those contributions?
Best regards,
Jong
Hi Jong. Generally, if you continue to work while receiving retirement benefits, your monthly benefit amount may increase. As long as you continue to work and receive benefits, we will check your record every year to see whether the additional earnings will increase your monthly benefit. If there is an increase, we will send you a letter telling you of your new benefit amount. You can call our toll free number at 1-800-772-1213 for further assistance. Representatives are available Monday through Friday, between 7 a.m. and 7 p.m. Thanks!
My husband turned 65 in March but is still working so he wasn’t aware he needed to apply for medicare at that time. Now I’m reading something about a 10% penalty for applying late. .. So he still needs to apply immediately for the Part A ,B, and C.. He wants to drop his company insurance due to the $6,000 deductible. He simply cannot afford to have it. He recently had cataract surgery on 1 eye and the $2800 he had to pay even though it went towards his deductible and still has to pay for the anesthetist and all the medicine (3 different drops.. very expensive. So please let us know how to go about signing up . I called Medicare and they referred me to you. My name is Sharon Mullins I’m inquiring for my husband Curtis R. Mullins
I am 73 years of age and collecting social security also working full time. will I get an increase in my benefit at some point?
Generally, if you continue to work while receiving retirement benefits, your monthly benefit amount may increase. As long as you continue to work and receive benefits, we will check your record every year to see whether the additional earnings will increase your monthly benefit. If there is an increase, we will send you a letter telling you of your new benefit amount. You can call our toll free number at 1-800-772-1213 for further assistance. Representatives are available Monday through Friday, between 7 a.m. and 7 p.m. Thanks!
My retirement age is 66 and I’ll be 66 is August 2019. I called to get my Medicare part a and the lady told me I could start my retirement on January 1 and still work full time at my current making just under $60,000 with a small reduction in benefits of about $70. I called this morning to start my application process and was told that I can’t do that. My check will be reduced by $1 per $2 I make. Is this true. The earlier lady must have lied if this is true. I hope she is not lying and confusing others that might be older. That’s a sad situation to be lied to about your retirement. It’s bad enough that a person works all their life and only get $1800. Horrible place. Horrible claims reps. Train those workers Train those workers. I would have messed up my financial life listening to her. I’m devastated devastated devastated
Hi Patricia. Thank you for your question. The amount you’re allowed to earn depends on your age. In the year you reach full retirement age, we deduct $1 in benefits for every $3 you earn above the earnings limit ($45,360 in 2018). Plus, we only count earnings before the month you reach full retirement age. Beginning with the month you reach full retirement age, earnings no longer reduce your benefits, no matter how much you earn. Use our Retirement Earnings Test Calculator to find out how much your benefits will be reduced.
Visit our Frequently Asked Questions web page for more details.
I reach full retirement at 66 year olds now. Before I got SSA from Disability Benefits. If I want to work for earning . Is It OK? It is not count how much do I earn, Is It right?
And If I come back my country to live for 6 months. I still get SSI benefits as usual. Is It right?
Please reply to me by Email. Thanks
Hi there. Social Security disability benefits automatically change to retirement benefits when disability beneficiaries become full retirement age. The law does not allow a person to receive both retirement and disability benefits on one earnings record at the same time.
See our Frequently Asked Questions web page on how you can work while receiving Social Security disability benefits and what happens if you work and get Social Security retirement benefits.
If you move, you are required to report your change of address to Social Security, even if we are sending your payments to a bank or other financial institution. Our publication, “Your Payments While You Are Outside the United States”, explains how being outside the United States may affect your Social Security payments.
If you are a U.S. citizen, you may continue to receive payments outside the United States as long as you are eligible for payment and you are in a country where we can send payments. If you aren’t a U.S. citizen, you must meet one of the conditions for payment described in this publication.
You may use our Payments Abroad Screening Tool to see if your benefits will continue indefinitely, stop after six consecutive months or if certain country specific restrictions apply.
i was 66 in aug i have a part time job how much money can i make on this job.i am a personal assistant i am tax exempt i work in the home
Hi Gary. Once you reach your full retirement age, earnings no longer reduce your benefits, no matter how much you earn.
Keep in mind, if you continue to work while receiving retirement benefits, your monthly benefit amount may increase. As long as you continue to work and receive benefits, we will check your record every year to see whether the additional earnings will increase your monthly benefit. If there is an increase, we will send you a letter telling you of your new benefit amount.
ok
I am currently on plan G cost is $140 a month would it be cheaper to get on a medigap plan
don’t confuse the issue. can I work on ss at age of 66 and is there a limit on earnings
Born july 28 1955. What would my additional limit income. Earned income while drawing social security retirement at say 64 years old, and 65 and 66. Does earned income limits raise the later i start drawing social security retirement? Thank you
I received an increase for my November social security. Is the increase due to my still working?
What is annual earnings limit for 2018 ?
Hello William. If you are under full retirement age the earnings limit for 2018, is $17,040 ($17,640 for 2019). Beginning with the month you reach full retirement age, your earnings no longer reduce your benefits, no matter how much you earn.
See “Getting Benefits While Working” for more information. Thanks!
? Age 79 /Work p.t. ? Should I still have SS deductions ?
Hello Carolyn. Everyone working in covered employment or self-employment regardless of age or eligibility for benefits must pay Social Security taxes. Generally, if you continue to work while receiving retirement benefits, your monthly benefit amount could increase. Each year, we review the records for all working Social Security recipients to see if additional earnings could their monthly benefits. Thanks!
Will my annual earnings after age 70 affect my monthly benefit. I’m now 80 and plan on working for
2 to 5 years. My current annual income is much more
than in the past.
At 80 years young, you have -already- reached your full retirement age, David. If you work and are full retirement age or older, the amount you make at work will not affect your Social Security benefits, no matter how much you earn.
Please read our publication “How Work Affects Your Benefits” for more information. Thanks!
Can I work 40 hrs a week and receive SS?
Hello Migdalia, you can still work and receive your Social Security retirement benefits at the same time. However, if you are younger than full retirement age and make more than the yearly earnings limit, this can reduce the number of payments you receive through the year.
To learn more, see “Getting Benefits While Working“. Thanks!
Delete 2 year old info
I retired @62 yo. I will be 75 in late December. I have just gotten a part-time job. Does this affect my SS? Do I need to complete paperwork for Social Security withdrawals? If so, should I claim myself and also Head of Household – Two exemptions?
Thank you for your help
Hello Sondra. At 74 years young, you have -already- attained your full retirement age. If you work and are full retirement age or older, the amount you make at work will not affect your Social Security benefits, no matter how much you earn. Please read our publication “How Work Affects Your Benefits” for more information.
Also, some people have to pay federal income taxes on their Social Security benefits. This usually happens only if you have other substantial income (such as wages, self-employment, interest, dividends and other taxable income that must be reported on your tax return) in addition to your benefits. For further income tax questions, you will need to contact the IRS. Their toll-free number is 1-800-829-1040. Thanks!
If you are already drawing SS, after you turn 65 how much money can you make yearly without affecting SS
Hi Raymond and Karen. Thank you for your question. The amount you’re allowed to earn depends on your age. If you attain full retirement age (66) in 2018, the earnings limit is $45,360 but we only count earnings before the month you reach full retirement age. Beginning with the month you reach full retirement age, earnings no longer reduce your benefits, no matter how much you earn. If you’re under full retirement age for the entire year, then we deduct $1 from benefit payments for every $2 earned above the annual limit. For 2018, that limit is $17,040.
Visit our Retirement Planner: Getting Benefits While Working and our Retirement Earnings Test Calculator. Hope this helps!
Are 2018 earning while collecting limits posted?
Hello Nick. For beneficiaries under full retirement age, the annual earnings limit in 2018 is $17,040. See “Getting Benefits While Working” for complete information. Thanks!
I am 76 year-old and I just received a lawsuit settlement from a previous employer. They withheld $1,899.30 in Federal Income Tax, $520 in Social Security Tax and $121 in Medicare Tax
Can I get those amounts refunded? And or will it increase my Social Security benefit?
Hello Andre. Your question is an income tax question, and you will need to contact the Internal Revenue Service (IRS). Their toll-free number is 1-800-829-1040. Thanks!
I thought I could work and not have to pay taxes on any of my ssa.
I keep my disabled grandson and now have a taxable ssa amount of over 4,000
I owe a tax bill next year I estimate to be 700.
Why? I was born in 1949 and began my dad at 65
Thank you for your question, Neila. Under current law, the Internal Revenue Service (IRS) considers Social Security benefits taxable income for beneficiaries whose countable income exceeds certain limits. To learn more about those income thresholds, visit the Benefits Planner: Income Taxes And Your Social Security Benefit web page.
The partial taxation of Social Security benefits was enacted by Congress in 1983 and revised in 1993, as a way to restore financial soundness to the Social Security system. Congress based this provision on the tax treatment of private and public pensions. The taxes collected from benefits are credited to the Social Security trust funds and the Medicare hospital insurance funds.
Can I work for another company immediately after I retire from a an ASRS organization, and if not, how long must I wait? I am 65 years old
Hi, I’m at 66 now, If I collect my SSI now, and I keep working will my SSI check go up yearly ?
Thanks
Hi, Neil. If you were born between 1943 and 1954, then your full retirement age for retirement insurance benefits is 66. If you work and are full retirement age or older, you may keep all of your benefits, no matter how much you earn, starting with the month you reach your full retirement age. Each year we review the records for all Social Security recipients who work and will refigure your benefit, if applicable. Please see our publication, How Work Affects Benefits, for more information. If you have specific questions about your situation, please call our toll-free number at 1-800-772-1213 and speak with one of our agents. Representatives are available Monday through Friday, between 7:00 a.m. and 7:00 p.m. Or contact your local Social Security office directly. Thanks.
I am 62 an d collecting SS. I am starting a part time job that will not pay me more than the max we can earn. Do I need to report the income to SS every month? All taxes will be withheld from my paycheck. Thanks.
I am trying to find out is there a max earning for someone on social security they are 80 years old and are looking to earn additional income
I would like to know why I can’t collect my husbands benefits, the statement I have tell me, that I have to be married for at least 10 years, just missed it by three months. We got married 1973, but I had his first child in 1972, and he was using my son as a deduction. Do I still have a chance to get his benefits?
Thank you,
Elsie Rullan
Good day – I started collecting Social Security a couple years ago around the amount of $1000 a month. I am wondering if I get a job now that I am over 70 must I then abandon collecting Social Security due to being employed again?
Thank you for your question, Philip. At age 70, you have -already- reached your full retirement age. If you work and are full retirement age or older, the amount you make at work will not affect your Social Security benefits, no matter how much you earn.
Please read our publication “How Work Affects Your Benefits” for more information. Thanks!
I am on SSN and still working ,I made more than 41,000 dollars last year( 2017 if they go for highest 35 years in wages ,41,000 is at least 22,000 dollars more than the 35th highest wage. Should I have gotten an increase in SSN benefit amount.I am 67 and will be 68 in July. I also made 51,000 for 2018. People I know have gotten an increase. thank you for your time
Hi Angelo. Generally, if you continue to work while receiving retirement benefits, your monthly benefit amount may increase. As long as you continue to work and receive benefits, we will check your record every year to see whether the additional earnings will increase your monthly benefit. If there is an increase, we will send you a letter telling you of your new benefit amount. You can call our toll free number at 1-800-772-1213 for further assistance. Representatives are available Monday through Friday, between 7 a.m. and 7 p.m. Thanks!
last year i retired on 3/1/2018 but will not be full s.s. age till
12/30/2018 and i started collecting s.s. on 1/01/2018 wanted to know if i made more then i was allowed to how do i know i went over and if i did how do you handle the pay back for it . i know i was able to make about $44,500
per year but i may be a little over.
thank you
Hi, Matthew. In the year you reach your full retirement age, in this example 2018, your benefits will be reduced $1 for every $3 you earn over an annual limit ($45,360) until the month you reach full retirement age. Once you reach full retirement age, you can keep working, and your Social Security benefit will not be reduced no matter how much you earn. For more information, please check out our publication, How Work Affects Your Benefits. Thanks.
I will be retiring as of march 28th 2019 a special monthly rule dos it apply to me if I will make around 1600.00
for those 3 months of the new year or can I make 1452 a month for the rest of 2019?
Great question, Mary. It really depends on your age. If you attain full retirement age (66) in 2019, the limit on your earnings is $46,920 but we only count earnings before the month you reach full retirement age. Beginning with the month you reach full retirement age, your earnings no longer reduce your benefits, no matter how much you earn.
If you are under full retirement age for the entire year, then we deduct $1 from benefit payments for every $2 earned above the annual limit. For 2019, that limit is $17,640. There is a special earnings limit rule for those that retire mid-year and have already earned more than the yearly earnings limit.
The Getting Benefits While Working web page provides more details.