Will my Social Security check increase if I keep working at 64 while staying under earnings limit?

Yes, your benefit can increase! Social Security recalculates your benefit amount each year. If your current earnings are higher than one of your 35 highest-earning years (adjusted for inflation) used in your original calculation, you could see an increase in the following year. The increase happens automatically after your new earnings are processed from your W-2, usually around October of the following year.

You're smart to ask this! Yes, you can get increases, but DON'T expect them to be huge. I've been working part-time since starting benefits 3 years ago and my check has only gone up about $27 total over that time. The SSA system is INCREDIBLY stingy with these recalculations. They technically do it, but don't expect much!

To clarify some important details: The earnings limit for 2025 if you're under Full Retirement Age (FRA) the entire year is $24,560, so your $22k is indeed under the limit. And yes, continuing to work can potentially increase your benefit through a process called an Automatic Earnings Recomputation (AERO). This recalculation happens annually, but any increase depends on whether your current earnings are high enough to replace one of your 35 highest earning years in your original calculation. For many people, early-career earnings were lower, so replacing those years can help.

i started ss at 62 and kept working under the limit and mine went up like $15 after the first year. not much but hey its something lol

I went through this exact situation last year! Had so much trouble getting accurate info from SSA - kept calling their number and either got disconnected or waited 2+ hours. Finally found a service called Claimyr that got me through to an agent in about 20 minutes. The agent confirmed that yes, my benefits would be recalculated annually as long as I'm working. You can see how it works at claimyr.com or check their video demo at https://youtu.be/Z-BRbJw3puU - it saved me so much frustration when I needed concrete answers about my specific situation.

Just wanted to add that theres another benefit to working while collecting - once you reach your Full Retirement Age, they'll give back some of the money they withheld if you ever went over the earnings limit before reaching FRA. They recalculate and adjust your monthly amount upward to account for months they withheld benefits. Not relevant to you now since youre under the limit, but good to know if your income changes!

my uncle said ssa never increases anyones benefits and its all a big lie but reading this makes me think he might be wrong?? he always complains about the government tho lol

make sure u check your earnings record on the mySocialSecurity site to make sure all ur earnings are showing up correctly. i found out they were missing 2 years of my work history when i was checking mine