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I'm 52 years old. Can I retire now? How can I find out what my benefit amount would be? Could I still work after I retire?

Q. I'm 52 years old. Can I retire now? How can I find out what my benefit amount would be? Could I still work after I retire?

A. The earliest a Social Security retirement benefit can be paid is age 62 unless the wage earner is disabled. Social Security Disability Insurance benefits can begin at any age if a wage earner has a sufficient Social Security earnings history and is no longer able to work.

From age 62 to the month you reach full retirement age, your right to benefits would be subject to the Social Security Act's annual earnings limitation. The limit for 2013 for individuals who have not yet reached full retirement age is $15,120. If you exceed this limit, the Social Security Administration must withhold $1 in benefits for each $2 of excess earnings..

You can estimate your retirement benefit based on your current earnings history by going on line to http://www.socialsecurity.gov/estimator/index.htm



   

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Congress: Stop Squeezing the Social Security Administration

We have written extensively in this space about cuts to the Social Security Administration budget negatively impacting customer service for beneficiaries. This week, as Mary Beth Franklin reports in Investment News, the SSA announced that it would stop mailing paper statements to Social Security beneficiaries under 60 “due to serious budget constraints.” Beneficiaries over 60 who do not have an online “My Social Security” account will continue to receive paper statements (for the time being, anyway).

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