Retiring Mid Year

[jc4372]

I hope someone on here has an answer to my question. I have searched the internet for days and have not found the answer. I plan on drawing my social security mid year (Beginning July, 2025), and my question is about the earnings test. The answer I keep getting is, if you go over $1950 per month you will not receive a check for that month. This I know for sure. But does the earnings test (1$ for every 2$ you earn) count if you begin drawing mid year. I may make about $500 over each month which means they will take $250 (if the earnings test counts when you start drawing mid year) . Will I receive the remain balance at the beginning of the following year when the annual limit kicks in or do I lose all that money. 

[GailL1]

@jc4372 

SSA.gov - How Work Affects Your Benefits  

Read this publication and pay special attention to page 5 where it discuss the specials rules for those who retire mid year.

See if this with the examples used answers your question.  I think it should.