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This includes the earnings limit, or the maximum amount you can earn each year before your total Social Security benefit is reduced. It changes year to year, but in 2023, that limit is $21,240. For every $2 you exceed that limit, $1 is withheld from your benefits.
There is a special rule that applies to earnings for 1 year, usually the first year of retirement. Under this rule, you can get a full Social Security benefit for any whole month you are retired and earnings are below the monthly limit.
1 Νοε 2023 · The Social Security first year of retirement rule lets people exclude from Social Security’s annual earned income limit any pre-retirement wages they earn in the calendar year they...
29 Νοε 2023 · You can apply for Social Security retirement benefits up to four months in advance, and you can begin receiving benefits as early as age 62.
10 Οκτ 2018 · The Social Security Administration recalculates your retirement benefit each year after getting your income information from tax documents. (If you have a job, employers submit your W-2s to Social Security; if you are self-employed, the earnings data comes from your tax return.)
This page will guide you through the process of applying for retirement benefits when you’re ready to take that step. Our online application is a convenient way to apply on your own schedule, without an appointment. You can also apply by phone or by appointment at a Social Security office.
We illustrate the calculation of retirement benefits using two examples, labeled case A and case B. In each case, the worker retires in 2025. Case A, born in 1963, retires at age 62. Case B, born in 1959, retires at his normal (or full) retirement age.
