Early Retirement Penalties for Social Security Benefits
Claiming Social Security before full retirement age permanently reduces your monthly benefit. See exactly how much.
Selected in Social Security.
Everything we publish in Social Security, ordered by date.
Claiming Social Security before full retirement age permanently reduces your monthly benefit. See exactly how much.
Up to 85 percent of Social Security benefits may be taxable depending on your combined income level.
You can request a replacement Social Security card online, by mail, or at your local SSA office. The process is free.
Government pensions can reduce Social Security benefits through the WEP and GPO provisions. Know how they interact.
If you claim benefits before full retirement age and work, the earnings test may temporarily reduce your payments.
Minor children of retired, disabled, or deceased workers may qualify for Social Security benefits up to age 18 or 19.
Use the SSA calculator and your earnings history to project your future monthly benefit at different claiming ages.
Most Social Security recipients can continue receiving payments overseas, but some countries have restrictions.
Self-employed workers pay both employer and employee portions of Social Security taxes. Learn how this affects your benefits.
Scammers target Social Security recipients through phone calls, emails, and texts. Learn to recognize and avoid these schemes.
The annual COLA increases Social Security payments based on inflation. Understand how the adjustment is calculated and applied.
A My Social Security account lets you check statements, estimate benefits, and manage your information online.
Surviving spouses and dependent children may receive monthly payments. Understand survivor benefit amounts and eligibility.
Divorced spouses may qualify for benefits based on their ex-spouse's work record. Learn the rules and eligibility requirements.
The maximum Social Security payment depends on your earnings history and claiming age. See current maximum benefit amounts.
Applying for SSDI requires medical evidence and work history documentation. Follow this step-by-step application guide.
Working while collecting Social Security is allowed but may reduce your benefits if you have not reached full retirement age.
Your benefit amount depends on your 35 highest-earning years, adjusted for inflation. Learn the formula and factors involved.
The age you claim Social Security dramatically affects your monthly payment. Compare the pros and cons of early vs delayed claiming.