Senior Citizens’ Freedom to Work Act of 2026

Rick Scott

Republican · FL · Senator

Source: Congress.gov · FEC

• Tommy Tuberville (R-AL)Original· 2026-03-24

Read twice and referred to the Committee on Finance.

2026-03-24

Source: Congress.gov

This bill would allow people over a certain age to earn more money from work without losing their Social Security benefits, or it might eliminate the earnings limit entirely so seniors can work as much as they want without penalty. Currently, Social Security reduces benefits for retirees who earn above a certain threshold, which discourages some older Americans from continuing to work. The change would affect millions of seniors who want or need to keep working while collecting the retirement benefits they've already paid into.

AI-assisted summary generated from the official bill metadata (title, subjects, actions) sourced from Congress.gov. Cached and reviewed. Always verify against the official text linked below.

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [S. 4184 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4184 To amend title II of the Social Security Act to repeal the retirement earnings test, and for other purposes. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 24, 2026 Mr. Scott of Florida (for himself and Mr. Tuberville) introduced the following bill; which was read twice and referred to the Committee on Finance _______________________________________________________________________ A BILL To amend title II of the Social Security Act to repeal the retirement earnings test, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Senior Citizens' Freedom to Work Act of 2026''. SEC. 2. REPEAL OF THE RETIREMENT EARNINGS TEST. (a) In General.--Subsections (b), (c)(1), (d), (f), (h), (j), and (k) of section 203 of the Social Security Act (42 U.S.C. 403) are repealed. (b) Conforming Amendments.--Section 203 of such Act (as amended by subsection (a)) is further amended-- (1) by redesignating subsections (c), (e), (g), and (l) as subsections (b), (c), (d), and (e), respectively; (2) in subsection (b) (as so redesignated)-- (A) in the heading, by striking ``Noncovered Work Outside the United States or''; (B) by redesignating paragraphs (2), (3), and (4) as paragraphs (1), (2), and (3), respectively; and (C) in the flush text following paragraph (3) (as so redesignated)-- (i) by striking ``paragraphs (2), (3), and (4) of''; and (ii) by striking the last sentence; (3) in subsection (c) (as so redesignated), by striking ``subsections (c) and (d)'' and inserting ``subsection (b)''; (4) in subsection (d) (as so redesignated), by striking ``subsection (c)'' each place it appears and inserting ``subsection (b)''; and (5) in subsection (e) (as so redesignated), by striking ``subsection (g) or (h)(1)(A)'' and inserting ``subsection (d)''. (c) Additional Conforming Amendments.-- (1) Provisions relating to benefits terminated upon deportation.--Section 202(n)(1) of the Social Security Act (42 U.S.C. 402(n)(1)) is amended, in the flush text following subparagraph (C), by striking ``Section 203(b), (c), and (d)'' and inserting ``Section 203(b)''. (2) Provisions relating to exemptions from reductions based on early retirement.--Section 202(q) of such Act (42 U.S.C. 402(q)) is amended-- (A) in paragraph (5)(B), by striking ``section 203(c)(2)'' and inserting ``section 203(b)(1)''; and (B) in paragraph (7)(A), by striking ``deductions under section 203(b), 203(c)(1), 203(d)(1), or 222(b)'' and inserting ``deductions on account of work under section 203 (as in effect on the day before the date of the enactment of the Senior Citizens' Freedom to Work Act of 2026) or deductions under section 222(b)''. (3) Provisions relating to exemptions from reductions based on disregard of certain entitlements to child's insurance benefits.--Section 202(s) of such Act (42 U.S.C. 402(s)) is amended-- (A) in paragraph (1), by striking ``paragraphs (2), (3), and (4) of section 203(c)'' and inserting ``paragraphs (1), (2), and (3) of section 203(b)''; and (B) in paragraph (3), by striking ``The last sentence of subsection (c) of section 203, subsection (f)(1)(C) of section 203, and subsections'' and inserting ``Subsections''. (4) Provisions relating to suspension of aliens' benefits.--Section 202(t)(7) of such Act (42 U.S.C. 402(t)(7)) is amended by striking ``Subsections (b), (c), and (d)'' and inserting ``Subsection (b)''. (5) Provisions relating to reductions in benefits based on maximum benefits.--Section 203(a)(3)(B)(iii) of such Act (42 U.S.C. 403(a)(3)(B)(iii)) is amended by striking ``and subsections (b), (c), and (d)'' and inserting ``and subsection (b)''. (6) Provisions relating to penalties for misrepresentations concerning earnings for periods subject to deductions on account of work.--Section 208(a)(1)(C) of…

such Act (42 U.S.C. 408(a)(1)(C)) is amended by striking ``under section 203(f) of this title for purposes of deductions from benefits'' and inserting ``under section 203 (as in effect on the day before the date of the enactment of the Senior Citizens' Freedom to Work Act of 2026) for purposes of deductions from benefits on account of work''. (7) Provisions taking into account earnings in determining benefit computation years.--Clause (I) in the next to last sentence of section 215(b)(2)(A) of such Act (42 U.S.C. 415(b)(2)(A)) is amended by striking ``no earnings as described in section 203(f)(5) in such year'' and inserting ``no wages, and no net earnings from self-employment (in excess of net loss from self-employment), in such year''. (8) Provisions relating to rounding of benefits.--Section 215(g) of such Act (42 U.S.C. 415(g)) is amended by striking ``and any deduction under section 203(b)''. (9) Provisions defining income for purposes of ssi.-- Section 1612(a) of such Act (42 U.S.C. 1382a(a)) is amended-- (A) in paragraph (1)(A), by striking ``as determined under section 203(f)(5)(C)'' and inserting ``as defined in the last two sentences of this subsection''; and (B) by adding at the end (after and below paragraph (2)(H)) the following: ``For purposes of paragraph (1)(A), the term `wages' means wages as defined in section 209, but computed without regard to the limitations as to amounts of remuneration specified in paragraphs (1), (6)(B), (6)(C), (7)(B), and (8) of section 209(a). In making the computation under the preceding sentence, (A) services which do not constitute employment as defined in section 210, performed within the United States by an individual as an employee or performed outside the United States in the active military or naval services of the United States, shall be deemed to be employment as so defined if the remuneration for such services is not includible in computing the individual's net earnings or net loss from self-employment for purposes of title II, and (B) the term `wages' shall be deemed not to include (i) the amount of any payment made to, or on behalf of, an employee or any of his or her dependents (including any amount paid by an employer for insurance or annuities, or into a fund, to provide for any such payment) on account of retirement, or (ii) any payment or series of payments by an employer to an employee or any of his or her dependents upon or after the termination of the employee's employment relationship because of retirement after attaining an age specified in a plan referred to in section 209(a)(11)(B) or in a pension plan of the employer.''. (d) Repeal of Deductions on Account of Work Under the Railroad Retirement Program.-- (1) In general.--Section 2 of the Railroad Retirement Act of 1974 (45 U.S.C. 231a) is amended-- (A) by striking subsection (f); and (B) by striking subsection (g)(2) and by redesignating subsection (g)(1) as subsection (g). (2) Conforming amendments.-- (A) Section 3(f)(1) of such Act (45 U.S.C. 231b(f)(1)) is amended in the first sentence by striking ``before any reductions under the provisions of section 2(f) of this Act,''. (B) Section 4(g)(2) of such Act (45 U.S.C. 231c(g)(2)) is amended-- (i) in clause (i), by striking ``shall, before any deductions under section 2(g) of this Act,'' and inserting ``shall''; and (ii) in clause (ii), by striking ``any deductions under section 2(g) of this Act and before''. (e) Effective Date.--The amendments made by this section shall apply with respect to taxable years beginning after the date of enactment of this Act. <all>

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