Last week at the Hart Media Group, we started a deep dive into returning to work after you start drawing your Social Security retirement.

Jack Myers with Social Security indicates that when you collect benefits prior to full retirement age, your benefits are permanently reduced based on the number of months you are shy of that full retirement age. 

According to Myers, when you work after receiving benefits, Social Security will automatically review your earnings record annually to see if the most recent year’s earned income exceeds the lowest year we had used previously, keeping the inflation adjustment for those earlier years in mind, though.  

For more information on these rules, visit www.ssa.gov and look for our publication called “How Work Affects Your Benefits”.  And if you want to learn about the rules for working while disabled, look for our publication called “Working While Disabled: How We Can Help”.