T he Social Security Administration has announced significant changes to the retirement age, which will take effect starting in 2026. The full retirement age, which has been gradu

In 2025, the Social Security full retirement age rises to 67 for those born in 1960 or later. This change impacts benefits and retirement planning.

The bottom line is that the Social Security earnings test is a big factor in determining whether older adults who are still working should claim benefits before full retirement age. But it isn't the only factor. It's important to consider your financial situation, family situation, health, and more to decide the best move for you.