I'm Doug, and I'm sorry to hear of the confusion. My goal is to provide you with excellent service today.
Social security no longer uses monthly income to determine eligibility for early retirement benefits.
The first year of retirement, whether it be partial or the whole calendar year, is the same as all other years aside from the last year in which you reach full retirement age. Let me explain.
If you are under full retirement age for the entire year, social security will deduct $1 from your benefit payments for every $2 you earn above the annual limit. For 2015, that limit is $15,720.
In the year you reach full retirement age, social security will deduct $1 in benefits for every $3 you earn above a different limit. In 2015, the limit on your earnings is $41,880 but they only count earnings before the month you reach your full retirement age.
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I wish you and yours the best in 2015,