Can I receive Social Security benefits while still working?

Yes, individuals can receive Social Security benefits while still working, but there are certain conditions and limits that apply. When someone is under full retirement age, which varies depending on the year of birth, they are subject to what is known as the earnings limit. This limit dictates how much an individual can earn before Social Security benefits are reduced. For example, in 2023, if a person under full retirement age earns more than a specific threshold, which is typically adjusted each year, their Social Security benefits may be reduced by a set amount for every dollar earned over that limit. Once a person reaches full retirement age, they can earn any amount and continue to receive their benefits without any reduction. Additionally, it is important to note that those who receive Social Security Disability Insurance, or SSDI, and are working must remain below a different earnings threshold defined by Social Security. Exceeding this threshold for three consecutive months may result in the loss of disability benefits. Individuals who are considering working while receiving Social Security benefits should stay informed about these limits and how they may impact their overall benefit amounts. For the most current information regarding earnings limits and rules, visiting the appropriate section of the Social Security Administration's official website may be helpful, as it provides updated details and resources.