Working and claiming Social Security can increase your monthly income and give you a more comfortable lifestyle than you could have with just one or the other. It's a sound strategy for those who would like to retire but don't have the savings to quit the workforce just yet. But there's one big caveat: the earnings test.

Read on to see what this is and how it could cost some Social Security beneficiaries a bit of their checks. Let's also look at how you might be able to avoid it.

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Source Fool.com