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  If I retire at 62 but work and lose some benefits, will I lose money?
  Question
  If I take early retirement at age 62 but do not receive all of my benefits because of work, will I always be reduced for age 62?
  Answer
 

No. SSA refigures the reduction factor in the month full retirement age is attained. At that time, any month for which a benefit was not paid because of the annual earnings test is eliminated from the reduction factor. The new higher benefit is payable for the month of attainment of full retirement age and all subsequent months.
 
 
 
  
 
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