Many retirees are dependent on social security as their primary source of income, so it is essential that you make sure that you cannot say goodbye to your social security benefits. As the rules and policies change, it is highly important that you stay updated to avoid potential losses.
Lack of awareness or poor planning may subsequently lead to reduced benefits; in some cases, you completely lose them during your retirement age. So, if you don’t want to say goodbye to your social security benefits and avail yourself of all these benefits, you should always update your status or income details.
Say Goodbye to Your Social Security Benefits
You don’t stay alert and make thoughtful choices such as going over the income threshold or cleaning too early, and then, in that case, you might have to say goodbye to your social security benefits. So, it’s always better that you can keep track of all the changes and understand how to take care of every aspect as important otherwise you will not avail the full benefits of social security.
If you want to ensure that your payments will not be affected, then it is always necessary to keep your information updated and respond quickly if any changes in the benefits happen. Being well informed helps you that your benefits will continue so that you don’t need to say goodbye to your social security benefits.
Goodbye to Social Security Benefits Overview
| Organization | Social Security Administration |
| Program Name | Social Security Benefits |
| Country | USA |
| Amount | Up to $4,873 (Varies by work history) |
| Payment Type | Based on DOB (Direct Deposit or Express Card) |
| Main Benefit | Monthly income for retirees, disabled, survivors |
| Category | Government Aid |
| Official Website | https://www.ssa.gov/ |
Avoid These 5 Mistakes If You Don’t Want to Say Goodbye to Your Social Security Benefits
If you make a single mistake, then you can minimize your social security benefits, so here are five common mistakes that could affect your benefits:
1. Claim Benefits Too Early
Availing of the SSA benefits prior to the Full Retirement Age may shrink benefits.
- Beginning to collect at 62 years may shrink your SSA payments by up to 30%.
- If you hold your claim till 70 years may boost SSA benefits by 24%.
2. Earning more than allowed (before FRA)
If you are working and you haven’t attained the full retirement age, then the benefits might be reduced.
- For the year 2025, if you earn above the threshold of $23400, then $1 will be deducted for every $2 over the limit.
- These deductions will stop at full retirement age, and in that case, benefits will be adjusted.
3. Travel to abroad without intimation to SSA
If you go outside the US without giving any notice to SSI, then your benefits can be paused.
- Residing outside the US may suspend your benefits if it will be over for 30 days.
- It is always essential to inform SSA prior to leaving the USA to avoid daily payment issues.
4. Not reporting major life changes
If you delay informing the SSA, then the result will be overpayments and withheld checks.
- For events such as income changes, divorce, or marriage, then you must report the SSA within 10 days.
- This started on March 27, 2025, so SSA can withhold all of your benefits so that they can recover new overpayments.
5. Poor coordination of retirement and survivor benefits
Availing of both benefits may be too early and also restrict your retirement income.
- If you apply for both benefits at 60, that leads to permanently reduced retirement payments.
- To receive the higher amount, you can first claim survivor benefits and then switch to retirement later.
June 2025 SSA Rule Changes to Keep Your Benefits
The Social Security Administration has implemented a lot of policy changes as of June 2025 that will significantly affect your benefits if it’s not managed properly. So, if you want to hold 100% of the monthly benefits, then you have to follow the eligibility guidelines that the SSA has provided.
To avoid losing your benefits, it is always recommended to ensure timely reporting of life changes and rethink your early claims so that you can plan intelligently for your long-term financial security.
FAQs
Can I still work while receiving social security benefits?
Yes, but earning over $23,400 prior to hitting Full Retirement Age, could shrink your SSA benefits.
What will happen if I claim my benefits at the age of 70?
You will get a 24% boost in your monthly benefits.
If I travel abroad, will it affect my SSI?
Yes, if you are outside for more than 30 days from the US, then your Si payments may pause.
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