If I begin collecting Social security at 66 and continue to work full time, i suspect my employer will continue to withhold Social Security from my pay. Does the continue withholding impact my social security at 68? 69? 70? even though I started collecting at 66?

Hi,

Yes, covered earnings continue to be subject to Social Security taxes regardless of a person's age or filing status. Social Security retirement benefits are based on a person's best 35 years of inflation adjusted earnings. Your benefit amount can be recalculated annually to include additional years of earnings from work that you do after filing for benefits. Your benefit amount will increase, however, only if you replace one of your previous 35 best earnings years with a higher earnings year.

Best, Jerry