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You can work while collecting Social Security early (starting at age 62), but if you are under your full retirement age (FRA), your benefits may be temporarily reduced or withheld if your earnings exceed annual limits. The Social Security Administration (SSA) applies an Earnings Test if you claim benefits before reaching your full retirement age: Under Full Retirement Age for the Entire Year: 2026 limit: $24,480. If you earn more, SSA deducts $1 in benefits for every $2 you earn above the limit.
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