SSSocial SecurityLearning Center

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Working While Receiving Benefits

How the earnings test works if you claim before full retirement age and keep working.

The earnings test

If you claim before full retirement age and continue working, benefits may be temporarily withheld if your earnings exceed an annual limit. The limit changes each year.

Withheld amounts are not simply lost; your benefit is recalculated at full retirement age to account for them.

This article is general education, not individualized financial, tax or legal advice. Rules change; confirm details with the Social Security Administration.

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