It Just Got Easier to Work While Collecting Social Security. Here's Why.

Core Insights - Many individuals look forward to retirement for the freedom it brings from regular employment, but some may choose to return to work for financial or mental health reasons [1][2][3] Social Security Earnings Test - Social Security recipients can work while collecting benefits, but those under full retirement age are subject to an earnings test that limits their income [4][7] - The earnings-test limits are set to increase in 2026, allowing recipients to earn more without risking benefit withholding [5][6] - For those under full retirement age in 2026, the earnings-test limit will rise to $24,480 from $23,400 in 2025, with $1 withheld for every $2 earned over this limit [6] - If a recipient reaches full retirement age in 2026, the earnings-test limit will be $65,160, up from $62,160 in 2025, with $1 withheld for every $3 earned over this limit [8]