Are you
still working?

That’s great!
How old are you?

Delighted to hear it!
Are you already collecting monthly Social Security checks?

Keep loving your job.

Potential increase in annual retirement income if you delay retiring from age 62 to 65.

Enjoy the perks of aging.

As long as you work for a company with 20 or more employees, your employer can't force you to switch to Medicare. And that could save you money:

Deep down,
are you yearning
to Back to work?
Be honest.

Okay, then consider this.

Have you reached full retirement age (FRA) for Social Security? It’s based on when you were born:

You might live a long time!

More money later!

Your job could help you wait until age 70 to claim Social Security – in which case here’s how much your benefit grows every year you hold out:

Glad that you know yourself!

Have you reached full retirement age (FRA) for Social Security? It’s based on the year you were born:

OK, we hear you! Enjoy your long retirement.

Here’s a thought:

Could a part-time job help you wait until age 70 to claim Social Security? If so, here’s how much your benefit grows every year you hold out:

OK, youngster!

Hold out as long as you can,
even if it means going back to work!

How much your benefit is reduced if you
claim at age 62 vs. your FRA:

Up to  %

Beware the taxman!

If you’re toying with working again, keep in mind that with more income, more of your Social Security benefits may be taxed.

Percent of Social Security benefits that
may potentially be taxed

This could hurt.

When you claim Social Security before your FRA and then Back to work, your benefits may be reduced.

Pretty long!

Yup, but one of them isn’t likely to come for a while:

Enjoy your retirement!

Nope!
Once you hit your FRA, you’ll get those lost benefits back in the form of a bigger Social Security check.