The Rules Are Changing in 2026 for Working While Collecting Social Security

Core Insights - The article discusses the realities of retirement for many seniors, highlighting that a significant number continue to work while claiming Social Security benefits due to financial necessity or personal choice [2]. Summary by Sections - Current Social Security Work Rules: As of 2025, individuals who have not reached their full retirement age (FRA) will lose $1 in benefits for every $2 earned above $23,400. This reduction is temporary, as benefits are recalculated at FRA to account for missed income [6][7]. - Earnings Limits for Those Approaching FRA: For individuals reaching FRA in 2025, the earnings limit is $62,160, where they will lose $1 in benefits for every $3 earned above this threshold until they reach FRA [8]. - Upcoming Changes in 2026: The article indicates that the rules regarding working while collecting Social Security benefits will change in 2026, allowing for more flexibility in earnings while still receiving benefits, although specific limits will still apply [4][6].