Can You Still Work Part-Time and Delay Social Security? Yes — and Here’s How
Confused by Social Security?
Many retirees think they must stop working altogether to delay Social Security. Not true. Part-time work can be the perfect bridge to a higher benefit.
1. Part-Time Work Reduces Pressure to File Early
If part-time work covers basic expenses, you can delay Social Security and earn delayed credits.
2. You Might Replace Low-Earning Years in Your Record
Even part-time income can improve your lifetime earnings average.
Thinking about part-time work in your 60s?
Let’s coordinate work income with your filing plan.
3. Part-Time Work Keeps Taxes Manageable
Part-time income may keep you below IRMAA brackets and provisional income spikes.
About Author
Ray R. Harris
Ray R. Harris, RSSA®, partners with tax and legal professionals to provide specialized Social Security claiming analysis for high-net-worth clients aged 58–70. A former executive with an MBA and background in Finance, Ray mitigates liability for his partners by ensuring their clients optimize spousal benefits, tax efficiency, and lifetime income.
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