Social Security beneficiaries can continue working after retirement, but income limits may impact benefit payments depending on age and earnings.
For 2025, retirees younger than full retirement age (FRA) can earn up to $22,320 before their benefits are reduced. For every $2 earned above this limit, $1 is withheld. In the year you reach FRA, the earnings limit rises to $59,520, and only $1 is withheld for every $3 earned above the threshold. Once full retirement age is reached, there is no reduction in benefits regardless of income.
These rules also apply to individuals receiving disability benefits with additional considerations for trial work periods and Substantial Gainful Activity (SGA) levels.
SSA encourages recipients to report earnings and learn how their work may affect benefits using their “my Social Security” account at my Social Security | SSA.
