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Social Security Question:
Start and stop SS benefits?
Social Security Answer:
Can I begin taking social security benefits at age 62, and then, if I find a good paying job, stop them and restart later, like after full retirement age?
If so, what are the ramifications?
Support Replied ~ 01-07-2009 16:48:27
Yes, you can start and then if your find a well-paying job, suspend your benefits by doing a work report telling SS about your income. If the job last a long time, you might want to withdraw your application, but you must pay all the money back if you do that. If you suspend your checks, you get credit at FRA for those months that you didn't get a check for because of work. For example, if when you retired, you had a 36 month reduction, then later you lost 12 checks because of earnings, SS will adjust your rate at FRA to give you a 24 month reduction instead of the 36 raising your monthly benefits. I hope you under stand this. If not, write back and let me know about how much you would earn in a job and your FRA and I can further advise you. Carol
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"Social Security Advisor" is intended to provide accurate and authoritative information with regard to the subject matter covered. It is offered with the understanding that neither the publisher nor the author is engaged in rendering legal, accounting, investment or other professional advice or services.
Information obtained from RetirementCommunity.com, including e-mail responses from "Social Security Advisor" should be considered as general educational information. You must never rely upon the advice given here. Your individual situation may not fit the generalizations discussed. Only your local Social Security office can evaluate your individual situation and give you advice.
|In the news:
Read Carols comments in this BankRate.com Social Security article
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Tom F. 10-22-2014
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Carol J. 10-10-2014
Thanks for the straight forward answers. It would have save a lot of time if I knew about this site months ago.
Emily D. 09-29-2014
Great talking with you and thanks for the help. Things now seem to be going in the right direction.
Chris H. 12/17/11
Hello, thank you so much for responding to my inquiry, I really did not expect to get an answer from you so quickly. Brought the information you sent to my social security office an the issue, i have been dealing with for months, was resolved in an hour.
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