Working After Retirement

How earnings may lower your benefits	Many people continue working part-time after they start collecting retirement benefits. If you retired early and are still below your full retirement age (e.g. between age 62 and full retirement), your benefits will be reduced slightly if you earn more than a certain amount per year. However, after you reach your full retirement age, you can collect retirement benefits and still continue working without any reduction in your benefits.
How earnings may increase your benefits	People who return to work after they start receiving benefits may be able to receive a higher benefit based on those earnings. This is because Social Security automatically re-computes the benefit amount after the additional earnings are credited to the individual's earnings record.
Delaying your retirement	If you plan to continue working past your full retirement age, you can choose to delay your retirement. Delayed retirement credits may increase your benefits.


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How earnings may lower your benefits