Thank you. Retirement benefits are based on earnings, not on need. That is, it doesn't matter how much you make in any given year for the retirement benefits. They're set based upon what has been paid in by you and your previous employers. And as such any earnings (including settlements, inheritance, lottery winnings, etc...) will have no effect on it. The only program that the income would have an effect on would be Supplemental Security Income which is a program that is strictly need-based, according to income and assets, and is funded by general fund taxes. SSI is called a "means-tested program," meaning it has nothing to do with work history, but strictly with financial need. To meet the SSI income requirements, you must have less than $2,000 in assets (or $3,000 for a couple) and a very limited income. But this is for disability, not retirement.
In short, it will not have an effect on your retirement income.
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