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AARP's Social Security Q&A Tool

Does the earnings limit increase as you get closer to full retirement age?

En español | Yes. This is how it works: There are two different limits under the Retirement Earnings Test. The lower limit is $15,720 in 2015 and applies to everyone who is below the full retirement age (age 66) for all of the year. For these people, benefits are reduced by $1 for every $2 in earnings over $15,480. The upper limit, $41,880 in 2015, applies to anyone who reaches full retirement age in the year and is only applied during the months prior to that birthday's month. For these people, benefits are reduced by $1 for every $3 in earnings over $41,880.

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