Social Security Questions? Ask a Social Security Expert
Hi. My name is ***** ***** I will be happy to help you.
That someone is incorrect. Your benefits are calculated using your lifetime earnings, 35 best years of your career, to be exact. The 35 years does not have to be the first 35 years or the last 35 years of your working years. It is the BEST 35 years. If, after working for 38 years, your earnings drops for few years, these high earning years will not be replaced with the low earning years. SS will still use the 35 BEST years.
Your benefits can only be reduced if you apply for early benefits at 62 instead of waiting for your full retirement age.
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