Adjustment of Reduction Factor (per Larry's PBS column)

According to Larry's most recent PBS article on Social Security, Mike has found some very specific circumstances where you can get one extra month of Social Security benefits. I'm assuming this will be available in a future release.

From the article, it wasn't clear if you could do this past full retirement age. If so, an example would be helpful along with any explanation.



dan royer's picture

Mike comments:
It happens because a partial month of deductions due to the earnings test is treated as a full month at ARF. So you have to have filed before your FRA, otherwise you wouldn’t have been subject to the earnings test. And, yes, the ARF is applied at FRA. It can happen with high earners as well as low earners

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