The Senior Citizens' Freedom to Work Act of 2026 eliminates the "retirement earnings test" from Social Security law, which currently reduces benefits for seniors who continue working and earn above certain income thresholds. The bill allows seniors receiving Social Security benefits to work without losing any benefits due to their earnings, affecting millions of current and future Social Security recipients. The legislation also makes conforming changes to the Railroad Retirement Program to remove similar earnings-based benefit reductions for railroad workers. The changes take effect for taxable years beginning after the bill is enacted, with no specific funding amounts mentioned since eliminating the earnings test would increase benefit payouts rather than require new appropriations.
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