Social Security Earnings Test
The earnings test reduces your Social Security retirement benefit if you collect early and earn over a yearly limit. The reduction stops at Full Retirement Age.
Also known as
Related terms
- Full Retirement Age
Full Retirement Age is the age you can claim 100% of your Social Security retirement benefit. It is 67 for people born in 1960 or later.
- Social Security Retirement Benefits
Monthly cash benefits paid by the SSA to workers who have earned sufficient work credits and choose to begin collecting retirement benefits, available as early as age 62 (reduced) or as late as age 70 (maximum).
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Frequently asked questions about Social Security Earnings Test
What is the earnings test?+
A rule that withholds part of early Social Security retirement when you keep working.
Who qualifies for the earnings test?+
People who claim Social Security before Full Retirement Age and have wages.
How do I apply for the earnings test?+
Report expected earnings to SSA so they can adjust your check.
Where can I get help?+
Call BenefitKarma at (866) 201-2604 or use our free benefit screener.