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The Surprising Way Working After Your Full Retirement Age (FRA) Could Cost You Social Security Benefits

This hidden cost doesn't have to catch you off guard.

The Surprising Way Working After Your Full Retirement Age (FRA) Could Cost You Social Security Benefits

Published August 29, 2026 · Category: Finance

Overview

Once you've reached your full retirement age (FRA) -- 67 for most workers today -- you no longer have to worry about Social Security benefit reductions for early claiming. But if you're still working, your salary and benefits could put you at risk of owing taxes on up to 85% of your checks. Working and claiming Social Security at the same time could still make sense for you, but it's important to understand the financial implications before you commit to it.

You might be able to avoid benefit taxes with careful planning, though even if you can't, it's still worth knowing how they work. Preparing for these taxes in advance can help you avoid sticker shock when you file your return.

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Originally published at www.fool.com.

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