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3.3 If I participate in BOND, how much can I earn and still keep my full benefits?

If you are participating in BOND and expect to earn more than the BOND yearly amount, the $1 for $2 reduction rules will be applied for five years (as long as your disabling condition continues). If you are not working or do not expect to earn more than the BOND yearly amount, your current benefits will not be reduced based on BOND rules.

However, if the Social Security Administration (SSA) finds after the year is over that you actually earned more than the BOND yearly amount, SSA will determine the amount by which your benefits in that year should have been reduced under the BOND rules, and appropriate adjustments will be made to your future benefits.

Your estimated earnings are used to determine the offset amount, with possible later adjustments to verified earnings.