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In some cases, working while on Social Security might decrease the benefits you receive, but it could actually increase them if you haven't accumulated 35 years of robust work experience. Yes, you can receive Social Security retirement benefits if you're still working, but there's a catch if you have not yet reached full retirement age. Let's say you elected to start receiving Social Security early and earn $31,240 a year from a job. Under the SSA's rules, you would receive $5,000 a year less in benefits ($31,240 minus the limit of $21,240 is $10,000, half of which is $5,000). So if you got a part time job earning $1,000 per month and held the job for a decade, after ten years you would still have nine TWP months to try out working full time. How To Report Earnings from Work to the SSA If you fail to notify Social Security about your earnings, you will continue to receive full benefit checks and there will be no withholding. This can lead to big problems down the road, since SSA doesn't know you've been working until spring or summer of the following year when the IRS processes your W-2s. The SSA may reduce or even freeze payments for anyone who accumulates overpayments, depending on how much you earned over the limit and how long you were working before your record was adjusted. "If other family members get benefits based on your work, your earnings from work you do after you start getting retirement benefits could reduce their benefits, too," advises SSA. "If your spouse and children get benefits as family members, however, earnings from their own work affect only their own benefits." crossbody bags cyber monday

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