How to Get Your Full Social Security Benefit While Working
To make sure you get your full Social Security benefit, follow these three rules:
Wait to start receiving benefits until full retirement age: As long as you pass your full retirement age, there is no cap on how much you can earn and still receive your full benefit.
Stop work until you reach full retirement age: If you want to start receiving Social Security benefits before you reach full retirement age, take a break from work until you reach full retirement age to avoid breaching the annual income limit.
If you receive benefits before full retirement age, keep your income below the annual threshold: This amount is $21,240 as of 2023. If you reach full retirement age in 2023, the limit changes to $56,520 but only earnings up to the month before you reach full retirement age are counted.