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Social Security Earnings Limit

If you begin drawing Social Security benefits before your full retirement age, there is a limit on what you can earn. Anything over this limit will result in a reduction of your Social Security payment. Read on to learn how the earnings limit works.

Working During Retirement

It is becoming much more common for people to work during their retirement. It’s important to be aware of the earnings limit so your hard work partially wasted!

What is the Earnings Limit?

The earnings limit is the amount you can earn while taking social security before your Full retirement age. If you earn over a certain threshold your benefit amount will be reduced. Once you hit your FRA, the limit is removed.

Does the Social Security limit go away?

Yes, the earnings limit goes away once you hit your full retirement age!


Is there a Social Security Income limit?

Yes, but only if you take Social Security before your full retirement age. At your FRA there is no limit.


Make sure you’re aware of the Social Security earnings limit. Many retirees don’t realize that the income limit exists and are unpleasantly surprised to see their benefit reduced. 

Sylvia Gordon, aka Medicare Mama®, is an expert on all things Medicare and Social Security. She is the 2nd Generation here at The Medicare Family and has served on the advisory boards of major insurance companies like UnitedHealthcare®, Cigna, and Anthem. In her free time, she can be found taking care of her animals (dogs, goats, peacocks, chickens), and reading a good book. Learn More.
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