Social Security Benefit Reduction Rules – Will My Social Security Benefits Be Reduced? (2026)
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2026 · WILL MY SOCIAL SECURITY BENEFITS BE REDUCED?
What is your Full
Retirement Age (FRA)?
Sorry, $1 in benefits will be
withheld for every $3 in
earnings above $65,160 in
the months prior to
reaching your FRA.
Birth Year:
1943-1954
1955
1956
1957
1958
1959
1960+
FRA:
Age 66
Age 66 + 2 mo.
Age 66 + 4 mo.
Age 66 + 6 mo.
Age 66 + 8 mo.
Age 66 + 10 mo.
Age 67
What will be your age
when you begin to collect?
FRA.
You’ll collect 100%
of your benefits.
Between FRA and age 70.
Benefits are increased for
each month that you delay
claiming after your FRA.
The maximum increase, if
your FRA is 66 and you
delay to 70, is 32%.
Which best describes
your situation?
Will you reach your
FRA this year?
No
Married.
See “Am I Eligible For Social
Security Benefits As A
Spouse?” flowchart.
Widowed.
See “Am I Eligible For Social
Security Benefits As A
Surviving Spouse?” flowchart.
Divorced.
See “Am I Eligible For Social
Security Benefits If I Have
Been Divorced?” flowchart.
Do you plan on working
while collecting benefits?
None.
Sorry, you are not eligible
for Social Security benefits.
Between 62 and FRA.
Sorry, your benefits are
reduced for each month
that you claim before your
FRA. The maximum
reduction, if you claim at
62 and your FRA is 67, is
30%.
Your benefits will not be
further reduced.
Sorry, $1 in benefits will be
withheld for every $2 in
earnings above $24,480.
What will be your
provisional income (MAGI
+ 50% of Social Security
Benefits)?
Single: $25k or less
MFJ: $32k or less
0% of Social Security will be
taxed.
Single: $25k - $34k
MFJ: $32k - $44k
Up to 50% of Social Security
will be taxed.
Single: Over $34k
MFJ: Over $44k
Up to 85% of Social Security
will be taxed.
Yes
No
No
Yes
Yes
Can you collect benefits on
your own work history?
START HERE
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