Key Points Some people claim Social Security without reading up on the program's rules. You should know that if you're working and getting benefits, you may be subject to an earnings test, depending on your age. Your benefits may also be subject to taxes, depending on your income picture. The $23,760 Social Security bonus most retirees completely overlook › When you first start collecting Social Security, those monthly checks can seem like a financial lifeline. And if you're in the enviable position of having plenty of savings, your Social Security checks could serve as a nice source of extra income, allowing you to do the things you've always wanted.
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