Core Points - The rules for working while collecting Social Security benefits can be complex, especially for those under full retirement age [1] - Individuals over full retirement age can work without affecting their benefits, while those under full retirement age may see temporary reductions in their benefits based on their earnings [2][5] - Working can lead to an increase in future Social Security benefits due to recalculations based on missed benefits [6][9] Summary by Sections Working Before Full Retirement Age - Full retirement age (FRA) is 67 for individuals born in 1960 or later, and earlier for those born before [5] - Earnings above certain thresholds can lead to a reduction in benefits for those under FRA, with specific limits for 2025 being $23,400 and $62,160 depending on whether the individual will reach FRA that year [8] Impact of Working on Benefits - Temporary reductions in benefits can occur if earnings exceed the specified limits, but this can result in larger benefits later due to recalculations [6][9] - Working can also increase Social Security benefits if it boosts average wages, which is often overlooked by retirees [7]