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Thomas,
A special monthly rule applies to the first year of benefits. So, if you have earned more than the annual limit for 2023 under FRA( full retirement age) by the time you want to draw, then you will be subject to the monthly earnings limit from the month your benefit first starts until the rest of the year.
Example:
You apply in May, your first month of entitlement is May. Your monthly earnings test applies May through December. In order to be paid for 2023, you can't earn over the monthly limit under FRA. In 2024, you will be subject to the annual test for that year.
Otherwise, a person might not be able to receive a check in the first year of retirement. The representative will explain it (either online application or in person) and the online application will ask these questions. Also, you can look at the monthly earnings test at the SSA website.
Be aware that your SSA benefits are reduced if you are not FRA. You can check the FRA chart on the website.
Benefits Planner: Retirement | Retirement Age and Benefit Reduction | SSA
Benefits Planner: Retirement | Receiving Benefits While Working | SSA
Benefits Planner: Retirement | Special Earnings Limit Rule | SSA
Have you visited the Social Security website? Have you created an account?
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