Working While Receiving Social Security Benefits

社保是2,700条规则, and one of the most confusing and misunderstood is the retirement earnings test (RET).1 Some people may think they can’t work — or shouldn’t work — while collecting Social Security benefits. 但事实并非如此. However, it’s important to understand the RET and how it may affect your income.

Full retirement age based on birth year: 1943–1954 is 66, 1955年是66又2个月, 1956年是66又4个月, 1957年是66又6个月, 1958年是66又8个月, 1959年是66又10个月, 1960年之后是67年

  • The RET applies only if you are working and receiving Social Security benefits 之前 reaching full retirement age (see chart). Any earnings after reaching full retirement age do not affect your Social Security benefit.
  • If you are under full retirement age for the entire year in which you work, $1 in benefits will be deducted for every $2 in gross wages or net self-employment income above the annual 免税金额 ($18,960 in 2021). The RET does not apply to income from 投资s, pensions, or retirement accounts.
  • A monthly limit applies during the year you file for benefits ($1,580 in 2021), unless you are self-employed and work more than 45 hours per month in your business (15 hours in a highly skilled business). 例如, if you file for benefits starting in July, you could earn more than the annual limit from January to June and still receive full benefits if you do not earn more than the monthly limit from July through December.
  • In the year you reach full retirement age, the reduction in benefits is $1 for every $3 earned above a higher annual 免税金额 ($50,520 in 2021, or $4,210 per month if the monthly limit applies). Starting in the month you reach full retirement age, there is no limit on earnings or reduction in benefits.

完整的退休年龄

出生年

1943–1954 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 66
1955 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
. . . . . . . . 66岁2个月
1956 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
. . . . . . . . 66岁4个月
1957 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
. . . . . . . . 66岁6个月
1958 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
. . . . . . . . 66岁8个月
1959 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
. . . . . . . . 66岁和10个月
1960年,后来 . . . . . . . . . . . . . . . . . . . . . .
. . . . . . . . 67

Note: If you were born on the first of a month, the SSA calculates your benefit and full retirement age as if you were born in the previous month. If you were born on January 1, it calculates as if you were born in December of the previous year.


  • The Social Security Administration (SSA) may withhold benefits as soon as it determines that your earnings are on track to surpass the 免税金额. The estimated amount will typically be deducted from your monthly benefit in full. 例如, 如果你每月的福利是2美元,000 and the SSA determines that your benefits should be reduced by $6,000 for the year due to your earnings, three full monthly benefit payments may be withheld 之前 you begin to receive benefits again.
  • The RET applies to Social Security retirement benefits, 结婚的好处, 相关的福利, 和幸存者的好处. Note that the RET may reduce a couple’s combined monthly benefit when a spousal benefit — regardless of the spouse’s age — is based on the benefit of a worker who is subject to the RET.

The RET might seem like a stiff penalty, but the deducted benefits are not really lost. Your Social Security benefit amount is recalculated after you reach full retirement age. 例如, if you claimed benefits at age 62 and forfeited the equivalent of 12 months’ worth of benefits by the time you reached full retirement age, your benefit would be recalculated as if you had claimed it at 63 instead of 62. You would receive this higher benefit for the rest of your life, so you could end up receiving substantially more than the amount that was withheld. There is no adjustment for lost 结婚的好处 or for lost survivor benefits that are based on having a dependent child.