Will Social Security earnings limit end at my FRA if I claimed benefits at 62?

Yes, the earnings test only applies before you reach your Full Retirement Age (FRA). Once you hit 67, you can earn unlimited income without any reduction to your Social Security benefits. In the calendar year you reach FRA, there's a higher limit and they only deduct $1 for every $3 you earn above that limit, but only for months before you reach FRA. After that - earn away!

i was in same boat. took mine at 62 also and yes once you hit your full age you can make as much as you can find someone to pay you lol. they dont penalize anymore. its great

Just to piggyback on what others have said - the 2025 earnings limit for those under FRA is $22,320. For every $2 you earn above that, SSA withholds $1 in benefits. But the YEAR you reach FRA, the limit jumps to $59,520 (for months before your birthday), and they only withhold $1 for every $3 you earn above that. Once you hit your actual FRA month, NO earnings test applies ever again. Keep in mind though that withheld benefits aren't lost forever. When you reach FRA, they recalculate and give you credit for those months they withheld benefits. It's complicated, but your monthly benefit will increase slightly to account for the months you didn't receive payments due to excess earnings.

CAREFUL! You still have to pay ATTENTION to tax implications! Just because the earnings limit goes away doesn't mean you won't pay taxes on your SS benefits if your combined income gets too high. Up to 85% of your SS can be TAXABLE depending on your other income!!! The government always finds a way to take our money!!!

my sister in law had this same question last month lol. they dont explain this stuff well at all. she was worried about the same thing

I've been trying to reach SSA for weeks to ask this exact same question! Their phone lines are always busy and my local office has no appointments for months. I recently discovered a service called Claimyr (claimyr.com) that got me through to a real person at Social Security within 20 minutes after I'd been trying for days on my own. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU. The agent confirmed exactly what others here are saying - the earnings limit completely disappears at full retirement age regardless of when you started benefits.

I confused myself about this for years! I took benefits at 62 also but thought I couldn't work much ever again. Didn't find out until later that the earnings test goes away at FRA. Wish I had known sooner - I turned down some good job opportunities because I thought I'd lose my SS money. Don't make my mistake!

Wait I'm confused. Is this the same as SSI? I get SSI and they definitely reduce my payment when I earn too much, and I'm 68. Are we talking about different benefits?

One more thing to add - while the earnings limit goes away at FRA, keep in mind that your early filing reduction is permanent. You took benefits at 62, which reduced them by about 30% from what you would have received at 67. That reduction stays in place for life (except for the small adjustment for withheld benefits that another commenter mentioned). This is a trade-off many people make - smaller benefits forever in exchange for getting them 5 years earlier.