I am working and plan to retire mid-year. Will Social Security count the amount I earn from January 1 or from the date I retire?
If you retire mid-year, we count your earnings for the entire year. We have a special earnings test rule we apply to annual earnings-usually the first year of retirement. Under this rule, you get a full check for any whole month we consider you retired regardless of your yearly earnings. We consider you retired during any month your earnings are $1,260 or less, or if you have not performed substantial services in self-employment. We do not count income earned, beginning with the month you reach full retirement age.
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