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The maximum benefit ? the most an individual retiree can get ? is $3,345 a month for someone who files for Social Security in 2022 at full retirement age (FRA), the age at which you qualify for 100 percent of the benefit calculated from your earnings history.

You can get Social Security retirement benefits and work at the same time. However, if you are younger than full retirement age and make more than the yearly earnings limit, we will reduce your benefit. Starting with the month you reach full retirement age, we will not reduce your benefits no matter how much you earn.

These changes were mandated by Congress in 1983 as part of a law that strengthened Social Security's finances. Congress cited improvements in the health of older people and increases in life expectancy as reasons for raising the retirement age.

If you work, and are full retirement age or older, you may keep all of your benefits, no matter how much you earn. If you're younger than full retirement age, there is a limit to how much you can earn and still receive full Social Security benefits.

For 2022, that limit is $19,560. In the year you reach full retirement age, we deduct $1 in benefits for every $3 you earn above a different limit.

After the normal retirement age (NRA) reaches 67 for those age 62 in 2022, increase the NRA 1 month every 2 years until the NRA reaches 68. Memorandum containing this or a similar provision: Social Security Advisory Board 2005.

If you will reach full retirement age in 2022, the limit on your earnings for the months before full retirement age is $51,960. Starting with the month you reach full retirement age, there is no limit on how much you can earn and still receive your benefits.