Last chance – give now. Before 2014 ends, help struggling seniors. Donate

AARP's Social Security Q&A Tool

If I begin receiving my Social Security benefits early at age 62 and continue to work, will my benefits increase when I reach full retirement age?

En español | If you claim benefits before full retirement age and continue to work, your benefits may be reduced by the Retirement Earnings test. If this happens, your benefits will be recalculated when you reach full retirement age. Each month you did not receive a benefit will count as a month in which you delayed retirement, increasing your benefits accordingly. Your benefits may also rise if you increase your earnings record. Social Security benefits are based on your top 35 years of inflation adjusted income. If your current earnings are included in this group, your benefit will be adjueste to reflect your higher earnings.

submit a question to

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.