PDF So Youre 70!

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If you also continue to work, your benefits will be reduced if you earn more than the yearly earnings limits. It is important to note that after you reach your full retirement age, we will recalculate your benefit amount. This recalculation will give you credit for any months in which you did not receive a benefit because of your earnings.

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We will send you a letter that explains any increase in your benefit amount. So, if some of your retirement benefits are withheld because of your earnings, your monthly benefit will likely increase at your full retirement age to take into account those months in which benefits were withheld. See our Retirement Planner for more information. If you delay your benefits until after full retirement age, you may be eligible for delayed retirement credits that would increase your monthly benefit. If you also continue to work, you will be able to receive your full retirement benefits plus any increase to those benefits resulting from your additional earnings when we annually recalculate your benefits.

The month you reach full retirement age or later, you can work and earn as much as you want. If you claim retirement benefits at age 65 or earlier, you will be automatically enrolled in Medicare Part A and Part B the first day of the month you attain age If you are still working beyond age 65 and have group health coverage through your employer, you might be able to postpone claiming Medicare until you stop working.

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Here is more information on Medicare. If you stop working and claim benefits before your full retirement age , your benefits are reduced a fraction of a percent for each month before your full retirement age.

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Also, your benefits will not increase through additional earnings. If you delay your benefits until after full retirement age, you may be eligible for delayed retirement credits that would increase your benefit.

Because we calculate your benefits based on your highest 35 years of earnings, if you stop working before you have attained 35 years of earnings there will be years of zero earnings used to calculate your benefit. There was a problem with saving your item s for later. You can go to cart and save for later there. Pre-Black Friday deals are here! Start saving big now.

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