Alert
Close

Watch the NASCAR race on Sunday at Texas Motor Speedway. Join the Drive to End Hunger!

AARP's Social Security Q&A Tool

Can I contribute more to my 401(k) to get around the earnings limit for those who work and receive Social Security benefits between 62 and full retirement age?

En español | No. Social Security counts 401(k) contributions as earnings and includes them in the Retirement Earnings Test.  It also counts wages made from a job or net profit if self-employed, including bonuses, commissions and vacation pay.  It does not count pensions, annuities, investment income, interest, veterans or other government or military retirement benefits.

submit a question to
AARP Experts

Didn’t see the answer to your question? Help us improve the tool by submitting your Social Security question. Go

Search Social Security Q&A Tool

Enter a keyword to get all the answers to your Social Security questions.

Discounts & Benefits

From companies that meet the high standards of service and quality set by AARP.

UPS Store membership discount aarp benefits

Members save 15% on eligible products/services, 5% on UPS shipping at The UPS Store®.

membership adt

Small business owners save 20% on new installation of any new ADT security system.

Mujer en la parte de afuera de so negocio

Free quotes for members from the AARP® Small Business Insurance Program.

Member Benefits

Renew today! Members receive exclusive member benefits & affect social change.