If someone is above full retirement age and still working, can they collect Social Security benefits?

Individuals who are above full retirement age can indeed collect Social Security benefits while continuing to work without any reduction in those benefits. This is a significant feature of the Social Security program designed to accommodate older workers who choose to remain in the workforce.

Once a person reaches their full retirement age, their earnings do not affect the amount of Social Security benefits they receive. This means that they can earn income without it impacting their Social Security payments, allowing them to maximize their total income. For those still working, the program provides flexibility and encourages participation in the labor force.

The options mentioning restrictions based on income or requiring an individual to stop working in order to receive benefits do not apply once the individual has surpassed their full retirement age. Additionally, the choice about deferring benefits is not relevant to those already above that age, as they have the option to claim their benefits while working.