The question is, will my benefits be reduced if I stop working and delay my benefits?

Here’s the short answer, if you plan to make more working part-time than you did in any of your highest-paid, 35 working years, then it would be better to continue, if not, your benefit will should not change.

This is because the Social Security Administration uses your highest paid 35 years to calculate an average monthly wage, provided ALL those years are positive, they will be higher than the 0’s you created when NOT working.

The AARP article is a bit more thorough than the SSA, and includes the formula used to calculate your actual benefit (which was not necessary to answer your question), but both provide the same answer.

For the record, any information provided may not be accurate.

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