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Category:
Retirement/Decumulation

Social Security Benefit Reduction Rules

Updated for 06/01/2025

Will My Social Security Benefits Be Reduced?

Claiming Social Security benefits can be one of the more complicated topics that you will address with a client. There are a multitude of rules that can have a significant and lasting impact on your client’s future income stream and overall financial picture.

To help make this analysis easier, we have created the “Will My Social Security Benefits Be Reduced?” flowchart. It is based on the Social Security Administration’s guide, “Retirement Benefits,” and addresses common issues including:

  • How to determine Full Retirement Age (FRA)
  • Effects of marriage and divorce
  • Implications of collecting benefits before, at, or after FRA
  • Annual limits
  • Impact of continuing to work while claiming benefits
  • How benefits will be taxed
Related Guides
Social Security Disability Benefit Rules
Category: Retirement/Decumulation
Social Security Benefit Rules For Divorced Spouses
Category: Retirement/Decumulation
Social Security Benefit Rules For Surviving Spouses
Category: Retirement/Decumulation
Social Security Benefit Rules For Spouses
Category: Retirement/Decumulation
Social Security Retirement Benefit Issues
Category: Retirement/Decumulation
Social Security Fairness Act Rules
Category: Retirement/Decumulation

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