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Not necessarily. You benefits are calculated using average earnings of your 35 best earnings years. There are couple of instances when your benefits increases after you retired:
- you have less than 35 working years OR
- your earnings are higher than the what you earned in your 35 best years.
For instance, if during your best 35 years you earned between 35K - 75K, you would need to earn more than 35K after you retire to increase your benefits.
If you worked less than 35 years, your benefits will most likely increase if you continue working.
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