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If you are earning $25,000 A Year in the USA then the monthly benefit amount would be $1,886.
In that case, Social Security would need to hold onto around one month’s worth of benefits before paying the remaining 11 months’ worth at the standard monthly benefit rate.
Make sure you notify Social Security in advance if you do intend to earn more than $21,240 this year. If not, they won’t find out until the end of the year, in which case you’ll receive overpaid benefits that you’ll have to pay back.
Most people typically think of Social Security as a retirement financial safety net. However, it’s important to remember that Social Security enables you to work while also receiving retirement or survivor payments. Those who want to work into retirement age may find this to be very advantageous.
However, there is an important factor to take into account: the program may withhold a percentage of your payments as an adjustment if you decide to claim Social Security benefits while working before reaching full retirement age. In order to obtain full benefits without reductions, you must reach full retirement age, which varies based on the year of your birth.
