Cincy Benefits and Resources cincybenefitsinfo.com

Working and Social Security Questions and Answers
How Work Affects Your

Contents
Introduction
How much can you earn and still get benefits?
Your earnings and your benefits—how much will you get?
What income counts ... and when do we count it?
Special rules for the first year you retire
Should you report changes in your earnings?
Will you receive higher monthly benefits later if benefits are withheld because of work?
Are there other ways that work can increase your benefits?
Contacting Social Security

You can get Social Security retirement or survivors benefits and work at the same time. But, if you are younger than full retirement age and earn more than certain amounts, your benefits will be reduced. It is important to note, though, that these benefit reductions are not truly lost. Your benefit will be increased at your full retirement age to account for benefits withheld due to earlier earnings. (Spouses and survivors who receive benefits because they have minor or disabled children in their care do not receive increased benefits at full retirement age if benefits were withheld because of work.)
NOTE: Different rules apply if you receive Social Security disability benefits or Supplemental Security Income payments. Then you must report all earnings to Social Security. Also, different rules apply if you work outside the United States. Contact us if you are working (or plan to work) outside the country.