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AARP's Social Security Q&A Tool

I claimed Social Security before full retirement age and earn more than $15,120, so my benefit is reduced. How does the reduction in benefits for working get returned? Or do I lose it forever?

Any reduction to your benefit under the Retirement Earnings Test will be returned to you in the form of a slightly larger payment starting at full retirement age (FRA) and continuing for the rest of your retirement.

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