Social Security rules are pretty complex to follow, especially when it comes to earnings limit and the full retirement age (FRA) which is 67 for people born in 1960 or later. For instance, there is an earnings limit before FRA, during the year when you reach FRA, and after FRA. Also, under SSA rules, your benefits also differ if you claim benefits before you reach FRA. But what happens if you don't claim anything? Also what if you still work after the FRA age? Here's an explainer.
