Social Security Choices

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Claiming Benefits While You Are Working

While you're working, your spousal benefit amount will be reduced only until you reach your full retirement, which is age 66 for those born between 1943 and 1954. If you are under full retirement age when you start getting your spousal benefits, $1 in benefits will be deducted for each $2 you earn above the annual limit. For 2014 that limit is $15,480.

Benefit Forfeiture Due to Working, 2014
Age Annual Income Limit Benefit Forfeiture for Income Above Limit
62 until Year of 66th Birthday Begins $15,480 $1 per $2 earned
Year of 66th Birthday $41,400 $1 per $3 earned
66 and above None N/A