I am a one-year retiree, age 63. I'm considering returning to full-time employment and I was wondering about suspending social security benefirs. I ju st read your answer about that to another query, but I was wondering what it means that $1.00 out of every $2.00 over the additional income threshold will be withheld from my benefits. What does that mean? Does the money go back into (or remain in) my benefits account, or somewhere else?