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AARP's Social Security Q&A Tool

Can I work and collect retirement benefits at the same time?

En español | You can. But if you work and you’re younger than full retirement age, Social Security will deduct $1 from your benefits for each $2 you earn above the annual limit ($15,120 in 2013). In the year you reach full retirement age, a different formula applies. If you make more than $40,080 in the months before your birthday, your benefits will be reduced $1 for every $3 earned above that level. After that, your benefits will not be reduced – you can earn as much as you can without any effect on your check. Your benefits may also be increased above their original level if your income increases significantly more than what it was during your average 35 years of work before you started receiving benefits.

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