topic Re: social security in Retirement tax questions

social security

calligan — Wed, 11 Feb 2026 09:52:34 GMT

If I draw Social Security at age 63 while continuing to work until full retirement at age 67, do I continue to contribute to Social Security through payroll deductions?

Re: social security

DoninGA — Wed, 26 Jun 2024 18:49:55 GMT

Yes. There is no age limit for Social Security taxes being withheld from your taxable wages.

Re: social security

calligan — Wed, 26 Jun 2024 18:54:54 GMT

So, even if I work until I am 90 and start drawing Social Security at age 67, will I still pay into Social Security until I stop working?

Re: social security

ClarissaA1 — Wed, 26 Jun 2024 18:55:16 GMT

Unless you are working in a job that isn't covered by Social Security (for example, a government-entity that has you contributing to a state pension fund instead of social security) you will continue to pay both Social Security and Medicare tax withholding on all of your wages even after you've started drawing your Social Security benefits.

The Social Security Administration will continue to verify your earnings and benefits information while you are working - your benefits could increase if you are in your highest earnings years at work. SSA FAQ: What happens if I work and get Social Security retirement benefits?

Re: social security

calligan — Wed, 26 Jun 2024 19:05:51 GMT

nevermind

Re: social security

ClarissaA1 — Wed, 26 Jun 2024 19:06:17 GMT

I'm not sure you call call it a negative financial impact, but continuing to work and drawing retirement benefits at the same time will likely result in a higher tax liability.
More income could limit your ability to access means-tested benefit programs (food assistance, housing assistance, etc.) However the flip side of the higher income from working and drawing social security benefits is you also have more available income to meet your needs.