
For many retirees, the idea of collecting Social Security while continuing to work sounds ideal. You keep your paycheck flowing, supplement it with benefits, and protect your retirement accounts. But Social Security isn’t that simple. The program has strict earnings rules that can shrink your check if you’re not careful. Too many retirees are shocked when they see smaller deposits than expected. Here are nine work-while-claiming rules that can reduce your check—and what to do about them.