The Effect on Social Security of Continuing to Work After Retirement

 In Social Security


Does it affect my Social Security if I keep working after beginning to take retirement benefits?


The following response is provided by Nora Yousif, Social-Security-benefits-retirement-Wellesley-MAa financial advisor with RBC Wealth Management. She is happy to be a financial planning resource for those with follow-up questions. She can be reached at or at 508.230.8960.

Potentially, yes. Know that your benefit is based on your 35 highest earning years and there is no age maximum of when you can earn Social Security work credits. Any additional earnings you receive will continue to recalculate into your benefit, even if you are already receiving checks from Social Security. Any earnings that increase your highest 35 years of earnings calculation will be factored in and could potentially increase your benefit. So, if you enjoy what you do and are earning good wages, it’s just another reason to stay active.

RBC Wealth Management does not provide tax or legal advice. All decisions regarding the tax or legal implications of your investments should be made in connection with your independent tax or legal advisor. The opinions expressed in this report are those of the author and are not necessarily the same as those of RBC Wealth Management or its research department. RBC Wealth Management, a division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC.


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