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Full retirement age is when you're eligible for your complete monthly Social Security benefit based on your personal wage history. If you were born in 1960 or later, full retirement age is 67.
If you’re before full retirement age: Those earning more than the earnings limit ($22,320 for 2023) will have $1 withheld from their Social Security benefit for every $2 earned above the limit.
Social Security's earnings-test limits are rising in 2025. Currently, you can earn up to $22,320 without having your Social Security benefits withheld. In 2025, that threshold is increasing to ...
The Social Security earnings test withholds benefits from workers under their FRA who claim checks while earning an income over a certain threshold. In 2024, you lose $1 for every $2 you earn over ...
It is known as the "SGA requirement," and is defined in Section 520 of the Social Security Act. To be eligible for SSI, an applicant must meet the following three conditions: they must have little or no income or resources, be considered medically disabled, and either not be working or working but earning less than the substantial gainful ...
As a general rule of thumb, Social Security benefits are designed to replace about 40% of pre-retirement income. It will be more if you were a lower earner, or less if you are a higher earner.