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

Core Insights - Retirement is evolving, with fewer individuals receiving traditional pensions and many opting to phase into retirement gradually, often continuing to work for financial reasons or personal fulfillment [1][2] Summary by Sections - Retirement Trends - The concept of retirement has changed significantly, with fewer people receiving guaranteed pensions and many continuing to work part-time after leaving their primary careers [1] - Reasons for Continued Work - Individuals may choose to work post-retirement for enjoyment, a sense of purpose, or financial necessity due to insufficient retirement savings [2] - Social Security Work Rules - Changes to Social Security rules in 2026 will impact retirees who work while collecting benefits, particularly those who have not yet reached full retirement age (FRA) [3][5] - Those who have reached FRA will not face income limits affecting their Social Security benefits, while those who have not will need to be aware of the new rules that will allow for higher earnings before benefits are reduced [6][8]