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I have a questions regarding Social Security. I am still…

Customer Question
Good afternoon Pearl, Accountant's...

Good afternoon Pearl,

Accountant's Assistant: What is your current age and retirement age?

I have a questions regarding Social Security. I am still working even though I will be 70 in July. I began collection my SS benefits when I turned 66. Will my monthly checks increase because i'm still working?

Accountant's Assistant: What's your current age and retirement age?

I'm 69 and I'm collecting SS benefits. I started collecting when I was 66.

Accountant's Assistant: Anything else you want the Retirement Accountant to know before I connect you?

Is the amount of SS we will receive frozen at age 62?

Submitted: 2 months ago.Category: Social Security
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Answered in 4 minutes by:
5/31/2018
Social Security Expert: Barbara, Enrolled Agent replied 2 months ago
Barbara
Barbara, Enrolled Agent
Category: Social Security
Satisfied Customers: 6,647
Experience: 20+ years of experience in tax preparation; 30+ years of experience as a real estate/corporate paralegal.
Verified

Welcome to Just Answer. My name is ***** ***** I will be happy to assist you.

Unfortunately, even though you are still working, your SS benefit amount will increase minimally, if at all. Social Security uses a formula based on your 35 HIGHEST EARNING YEARS to determine your benefit amount.

Your benefit amount was determined when you started receiving benefits at age 66, not age 62.

Please let me know if I can assist you further.

Thank you and best regards,

Barb

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Customer reply replied 2 months ago
my benefit amount was based on my 35 highest earning years through age 66 when I began receiving SS? If I gad stopped working and earning money when I was 64 my Ss check would be lower?
Social Security Expert: Barbara, Enrolled Agent replied 2 months ago

That's right.

The benefit amount you began receiving at age 66 was based on your 35 HIGHEST EARNING years.

I have no way of knowing what your 35 highest earning years were, but if you started receiving SS before full retirement age, your benefit amount would be lower.

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