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emc011075
emc011075, Tax Adviser
Category: Social Security
Satisfied Customers: 2313
Experience:  Tax adviser IRS licensed Enrolled Agent and tax instructor
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If I started taking social sec benefits at age 63 but then

Customer Question

If I started taking social sec benefits at age 63 but then started working again at age 65 will I get more per month when I quit working?
Submitted: 11 months ago.
Category: Social Security
Expert:  emc011075 replied 11 months ago.

Hi. My name is ***** ***** I will be happy to help you.

Not necessarily. I am assuming your full retirement age is 65, at this point earning additional income will not reduce your benefits. It means you will get the same amount if you work or not. Unfortunately your benefits will not increase either when you stop working.

Because you applied for your benefits BEFORE your full retirement (65 or 66, depending on your date of birth) your benefits had been permanently reduced. Your benefits are calculated using earnings from your best 10 years during your last 40 years. So, unless you make more than you ever made, your social security benefits will most likely not change with additional credits you earn while working.

Expert:  emc011075 replied 11 months ago.

Jeannie, I see you offline now. So if this answered your question, please take a moment to rate my response so that I may receive credit for assisting you today. You find the rating bar on the top of the page – 5 stars. However, if you need clarification, or want to discuss this issue further, let me know. Thank you.