Many may wonder if they can still work and receive Social Security retirement benefits.

Jack Myers with Social Security indicates the short answer is - yes. but there may be limits depending on your age that are not disability based.  

If you are younger than full retirement age for the entire calendar year, you can earn up to $23,400 in 2025. Myers notes if you earn more than $23,400 the penalty will be $1 of Social Security for every $2 by which you exceed the limit. Additionally, if you tell us you will earn more up front, they will withhold enough full monthly payments to cover your anticipated overage.

If you reach full retirement age in 2025, you can earn up to $62,160 between January and the month you attain full retirement age, or if you exceed the $62,160 prior to full retirement age, the penalty would be $1 for $3. Myers points out once you reach the month you attain FRA, there is no limit.  You can earn as much as you want and still receive benefits. 

There's much more to consider on this topic as well like a monthly earnings limit and post-retirement income increasing monthly benefits. 

We'll have more on that next week with Myers. In the meantime, for more information on these rules, visit www.ssa.gov and look for the publication called “How Work Affects Your Benefits”.

If you want to learn about the rules for working while disabled, look for the publication called “Working While Disabled: How We Can Help”.