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If I Work 32 Hours A Week For The Next 4 Years Will It Change The Amount That I'd Get From Social Security?

I’ve been working since I was 13 1/2 years old. With a couple of breaks in between because of sickness. For about a year both times I work 40 hours and I’m 66 1/2 years old so I am at retiring age. My question is if I was to go to 32 hours for the next four years till 70 would the amount that I would get from Social Security Change, and if so, approximately how much

Hi. I can't answer that without knowing your full annual Social Security covered earnings history and the annual amount that you'd be earning in the future. Social Security retirement benefits are based on an average of a person's highest 35 years of Social Security covered wage-indexed earnings, so additional years of earnings only increase a person's benefit rate if they're higher than one or more of the 35 years currently being used to calculate the person's benefit rate.

Our software ( could calculate your benefit rate with or without your expected future earnings, so you may want to strongly consider using our software to fully compare and analyze all of your options so that you can determine your best strategy for maximizing your benefits.

Best, Jerry

Mar 4 2023 - 2:36pm
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