I applied for my benefits at age 62, before I received any benefits I went to the ssa local office and canceled my benefits. I am now 63 and reapplied my first check is coming in March 2023 now I'm getting cold feet again about retiring which is supposed to be Feb 28th 2023. Since I already canceled once what are my options now if I wanted to work until the end of 2023. My earnings would be 90,000 for the year. Thank you.

Hi. If you've already withdrawn one application for Social Security retirement benefits, then you won't be allowed to do so again. If you've changed your mind about stopping work, you should notify Social Security of your change of plans. You'll need to tell them how much you expect to earn this year, and if it's more than $21,240, then they'll need to withhold $1 of your benefits for each $2 that your 2023 earnings exceed that amount. If any of your benefits end up being withheld between now and your full retirement age (FRA), Social Security will adjust your benefit rate after you reach FRA to remove the reduction for age that was applied for any months that your benefits end up being withheld due to your earnings.

Best, Jerry