Keep working or retire? | UBS United States of America

	Keep working	Keep working	Retire	Retire
Start benefits	Keep working	How much of your benefits you receive depends on when you first claim Social Security.	Retire	If you sto p working before you reach 35 years of earnings, your benefits will be based on $0 earnings for some years.
	Keep working	Before FRA: Receive less than 100%. Benefits may also be reduced if you earn more than a certain amount. At FRA: receive 100% of benefits and fact no reduction due to additional income. After FRA: receive 100%n of benefits and face no reduction due to additional inome	Retire	How much of your benefits you receive depends on when you first claim Social Security. Before FRA: receive less than 100% of benefits. At FRA: receive 100% of benefits. After FRA: receive more than 100% of benefits.
Delay benefits	Keep working	Every month you delay from age 62 to age 70 boosts your benefits Additional wager earned during these years may also increase your benefits. There is no advantage to delaying benefits past age 70.	Retire	Every month you delay from age 62 to age 70 boosts your benefits. If you stop working before you reach 35 years of earnings, your benefits will be based on $0 earnings for some years. There is no advantage to delaying benefits past age 70.