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I'm 69. What's the most I can earn without Social Security reducing my retirement benefits?

At that age, you can earn any amount and collect the full Social Security retirement, spousal, or survivor benefit you are entitled to receive. Social Security's annual earnings limit — the maximum people who claim Social Security early can make from work without triggering a benefit reduction — no longer applies as of the month you attain full retirement age, which is currently 66 and is gradually rising to 67 over the next several years. 

The only Social Security benefits affected by working after reaching full retirement age are benefits paid to disabled adult children collecting on a parent’s Social Security record.

Keep in mind

  • If you did have benefits withheld before reaching full retirement age due to work income, you can recoup them afterward. When you hit full retirement age, Social Security bumps up your monthly benefit to make up, over time, for the withholding.

Published October 10, 2018

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