Social Security


Q. I am 71 years old and collect Social Security. It is only $1,138 per month, and I am having an impossible time living on this. If I go back to work, how much can I earn before my Social Security is affected?

A. Because you have already reached your full retirement age, there is no limit on the amount you can earn from wages or self-employment without affecting your Social Security benefit. Further, you’ll once again have Social Security deductions taken from your earnings, which will result in your Social Security benefit being increased over time.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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