The Senior Citizens' Freedom to Work Act of 2026 repeals the Social Security earnings test, which currently reduces retirement benefits for seniors who earn income above certain thresholds. This change affects retirees aged 62 and older who continue working and currently face benefit reductions based on their earnings. The bill removes the financial penalty that discourages seniors from remaining in the workforce by eliminating the requirement that the Social Security Administration reduce benefits when beneficiaries earn too much money. The legislation also makes similar changes to the Railroad Retirement Program, which operates under comparable earnings restrictions. These amendments take effect for taxable years ending after December 31, 2026.
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