12 Ways To Get The Most Out Of Social Security

LIMIT POST-RETIREMENT EARNINGS

You can keep your job after hitting age 62 and still collect Social Security, but there is a penalty for doing so. Until you reach full retirement age, the Social Security Administration (SSA) will deduct $1 from your benefit for every $2 you earn above $16,920. If you are working the year you reach full retirement age (66 or 67), SSA will deduct $1 for every $3 earned above $44,880 before your birth month. These deductions are temporary; when you stop working, the SSA will recalculate your benefit based on earnings and the benefits withheld. If you work beyond full retirement age, you can collect the full benefit regardless how much you earn.

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