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Will my Social Security Retirement check be reduced if I work?

Social Security Retirement benefits are not reduced as a result of work activity. However, having said that, it is important for you to provide the Social Security Administration with an accurate estimation of your work activity every year until you reach your full retirement age.

Though Social Security will not reduce your benefit amount, it will hold back enough checks each year to recoup one of every two dollars for which you are over the earnings limit for the year. This is done to prevent you from being overpaid.

Once the amount has been recouped, Social Security will pay you checks for the remainder of the year, even if you continue to work. Additionally, you may see an increase in your benefit amount, if your earnings for a year replace a low year in your computation.

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  • Social Security Retirement Questions

    Additional Social Security Retirement Questions

  • Cost of living increases and Social Security retirement

  • How can you find out what your Social Security retirement benefits will be?

  • Will Social Security keep up with the cost of inflation?

  • Things to take when I go to apply for Social Security retirement?