For those drawing Social Security benefits, the earnings test applying to beneficiaries aged 62 through “full retirement age,” currently 66, will rise from $15,480 to $15,720. Those beneficiaries lose $1 in Social Security benefits for every $2 in earnings through employment or self-employment above the limit. A separate earnings test applies only to earnings for months in the year an individual reaches full retirement age but prior to the individual attaining that age. One dollar in benefits will be withheld for every $3 in earnings above $41,880, up from $41,400. There is no limit on earnings beginning the month an individual attains full retirement age. And for purposes of determining the benefit offset under the windfall elimination provision—which can reduce Social Security benefits of CSRS retirees who worked long enough in each system to qualify for a benefit from each—the annual “substantial earnings” minimum will rise from $21,075 to $22,050.