Working While on Social Security in 2026

You can work and claim Social Security at the same time, but should you?

By Kailey Hagen – Updated Nov 7, 2025 at 3:30 PM EST

Key Points

Earning above $24,480 pre-retirement age reduces benefits by $1 for every $2 earned.
At full retirement age, earning over $65,160 triggers withholding of $1 for every $3.
Post-retirement age, there are no earnings limits on Social Security benefits.

Social Security is commonly seen as a source of retirement income. But you're allowed to work and take Social Security retirement benefits or survivor benefits at the same time. If you do so before you reach full retirement age, though, Social Security may withhold part of your benefits.

Below we'll cover how you can get Social Security benefits even while you're still working. Learn how you can keep as much of that money as possible.

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An infographic outlining the basics and rules about working a job while also receiving Social Security payments. — Image source: The Motley Fool

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Working while on Social Security frequently asked questions (FAQs)

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About the Author

Kailey Hagen, CFP, is a contributing Motley Fool retirement analyst covering Social Security, Medicare, and retirement planning. Before The Motley Fool, Kailey was a research analyst for Reviews.com focusing on credit and banking products. She is a Certified Financial Planner® and holds a bachelor’s degree in English from the University of Wisconsin-Madison.

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