Can I Stop My Social Security Benefits If I Go Back to Work? A Listener Case Study (Ep. 71)
Update: 2025-09-24
Description
Retirement rarely unfolds exactly as planned, especially when unexpected life changes occur.
In this episode, I share a real listener’s story involving Social Security, divorce, and the possibility of going back to work. I walk through step-by-step strategies to help women understand their Social Security options and prepare for future benefits.
Key points:
- How to determine whether Social Security payments are based on personal or spousal benefits
- The rules for withdrawing a Social Security application within 12 months (Form SSA-521) and the repayment requirements
- The earnings test and how going back to work before full retirement age can reduce or later recalculate benefits
- How additional work years can replace low-earning years and improve future Social Security benefits
- The differences between ex-spousal benefits, survivor benefits, and how remarriage affects eligibility
- And more!
Resources:
- Get Your FREE Simply Retirement Roadmap
- #47 — The Game-Changing Social Security Strategies
- #63 – Social Security Planning After Divorce: Crucial Rules and Mistakes to Avoid
Connect with Eric Blake:
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