Can I draw Social Security at 62 and still work full time?

You can get Social Security retirement benefits and work at the same time. However, if you are younger than full retirement age and make more than the yearly earnings limit, we will reduce your benefit. Starting with the month you reach full retirement age, we will not reduce your benefits no matter how much you earn.

faq.ssa.gov - What happens if I work and get Social Security retirement benefits?

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We use the following earnings limits to reduce your benefits:

If you are under full retirement age for the entire year, we deduct $1 from your benefit payments for every $2 you earn above the annual limit.

For 2023 that limit is $21,240.

In the year you reach full retirement age, we deduct $1 in benefits for every $3 you earn above a different limit, but we only count earnings before the month you reach your full retirement age. If you will reach full retirement age in 2023, the limit on your earnings for the months before full retirement age is $56,520. Starting with the month you reach full retirement age, you can get your benefits with no limit on your earnings. Use our Retirement Age Calculator to find your full retirement age based on your date of birth. Use our Retirement Earnings Test Calculator to find out how much your benefits will be reduced.

What counts as earnings:

When we figure out how much to deduct from your benefits, we count only the wages you make from your job or your net earnings if you're self-employed. We include bonuses, commissions, and vacation pay. We don't count pensions, annuities, investment income, interest, veterans, or other government or military retirement benefits.

Your benefits may increase when you work:

As long as you continue to work, even if you are receiving benefits, you will continue to pay Social Security taxes on your earnings. However, we will check your record every year to see whether the additional earnings you had will increase your monthly benefit. If there is an increase, we will send you a letter telling you of your new benefit amount. When you’re ready to apply for retirement benefits, use our online retirement application, the quickest, easiest, and most convenient way to apply. If you need to report a change in your earnings after you begin receiving benefits: If you receive benefits and are under full retirement age and you think your earnings will be different than what you originally told us, let us know right away. You cannot report a change of earnings online. Please call us at 1-800-772-1213 (TTY 1-800-325-0778), 8:00 am – 7:00 pm, Monday through Friday, or contact your local Social Security office.

More Information

How Work Affects Your Benefits

Examples: How We Deduct Earnings From Benefits

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How do you resolve a fight in a relationship?

Resolving arguments in a healthy way Establish boundaries. Everyone deserves to be treated with respect, even during an argument. ... Find the real issue. Arguments tend to happen when one partner's wants or needs aren't being met. ... Agree to disagree. ... Compromise when possible. ... Consider it all.

loveisrespect.org - Conflict resolution - Healthy Relationships - Love is Respect

While conflict is normal, it can also bring out the parts of your relationship that aren’t working. If your conflict is based on decisions like which movie to see, who to hang out with, or who should do the dishes, use these tips to help resolve arguments in a healthy way: Establish boundaries Everyone deserves to be treated with respect, even during an argument. If your partner swears at you, calls you names, or ridicules you, tell them to stop. If they don’t, walk away and tell you that you don’t want to continue arguing right now. Find the real issue Arguments tend to happen when one partner’s wants or needs aren’t being met. Try to get to the real issue behind your argument. It’s possible that you or your partner are feeling insecure or like you aren’t being treated respectfully, and are expressing those feelings through arguments over other things. Learn to talk about the real issue so you can avoid constant fighting that obscures the heart of the problem. Agree to disagree If you and your partner can’t resolve an issue, sometimes it’s best to just drop it. You can’t agree on everything and it’s important to focus on what matters. If the issue is too important to drop and you can’t agree to disagree, it may be a sign that you’re not compatible. Compromise when possible Compromise is a major part of conflict resolution and any successful relationship, but it can be hard to actually achieve. Take turns making decisions about things like what to eat for dinner, or find a middle ground that allows you both to feel satisfied with the outcome.

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