Check out the last paragraph of this article:
{{ The current test withholds $1 for every $2 earned over a certain limit, which in 2025 is $23,400. Once you reach full retirement age, the withheld amounts will be added back into your benefit.
What you won’t get back, however, is the larger benefit you could have earned by delaying your initial application. Most people are better off waiting at least until full retirement age to collect Social Security, if they possibly can. }}
The current dollar value of the money is added back to your account, but you won’t get the 8% per year bump for waiting even if it’s years before you have the money in your pocket.
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