When Social Security started, the money was for those who retired and were no longer working. Because the system was for those completely retired, those who continue working would receive less than full benefits. The Social Security earnings test determines if you will get full or reduced benefits.
People earning more than the limits do not lose their Social Security benefits, but the Social Security Administration (SSA) will withhold part of it until the recipient reaches full retirement age (FRA). Until then, the recipient receives reduced benefits by a percentage of any earned income above the limits.
