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Social Security Earnings Test Explained | Durham News
If you’re collecting Social Security early but still working, beware the retirement earnings test — it can slash your monthly check if you earn too much. In 2026, under full retirement age, you can earn up to $24,480 without penalty; anything beyond that gets docked dollar-for-dollar. But here’s the twist: withheld amounts aren’t lost — they’re added back permanently when you reach full retirement age, boosting your future payments. And get this — Congress is actively pushing to eliminate this rule entirely, arguing it discourages older workers from staying employed. Your wages and…
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