​What is the income limit to avoid losing your Social Security benefits in 2025? 

BLAKE REYNOLDS
16/01/2025
–
15:44
CSTWhen a person begins to receive Social Security retirement benefits, they are considered retired by the Social Security Administration (SSA), which does not prevent them from continuing to work. However, there is something very important to take into account, because if they report earnings greater than those of the established limits, it could cause them to lose their SS benefits.To receive the full benefits from Social Security, your record is reviewed just like everyone else’s Social Security beneficiary who reports their earnings for the previous year, so every so often your benefit is recalculated and you are paid any increase that may be due, retroactive to January of the year after you earned that amount.However, if you are younger than full retirement age and earn more than the annual income limit, the administration may also determine a reduction in your benefit amount in this proportion. And so the SSA reports: “If you will not reach full retirement age during the year, we deduct $1 from your benefit payments for every $2 you earn above the annual limit. For 2025, that limit is $23,400”.The SSA also reports that “In the year you reach full retirement age, we will deduct $1 in benefits for every $3 you earn above a different limit. In 2025, this earnings limit is $62,160. We only count your earnings up to the month before you reach full retirement age, not your earnings for the whole year,” the report states.It is important to make this point: Starting in the month you reach full retirement age, your earnings will no longer reduce your benefits, no matter how much you earn. The SSA will recalculate your benefit amount to give you credit for the months when they reduced or withheld benefits because of your excess earnings.If you are eligible for retirement benefits this year and are still working, you can use the earnings test calculator available on the SSA’s website to see how your income might affect your benefit payments.