How much can a retiree earn in 2026 without losing Social Security benefits?

In 2026, if you are under your Full Retirement Age (FRA), the earnings limit is $24,480. If you earn more than this, $1 in benefits is withheld for every $2 earned above the limit. If you have reached your FRA, there is no earnings limit.

Do part-time jobs for seniors offer health insurance?

Most part-time jobs do not offer health insurance. However, most seniors over 65 rely on Medicare for their primary health coverage, so employer health benefits are often not necessary.

Will working part-time affect my Medicare premiums?

For most people, no. However, if your part-time income pushes your total yearly income above certain high thresholds (typically over $100,000 for singles), you may pay a higher 'IRMAA' premium for Medicare Part B and Part D.

10 Part-Time Jobs Perfect for Retirees Who Want Extra Income

BY - xtw18387a96b
February 8, 2026
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For many seniors, retirement isn’t about stopping work completely—it’s about shifting gears. Whether you want to cover the rising cost of living, pay for travel, or simply stay mentally sharp, a part-time job can be the perfect solution. The best roles for retirees in 2026 offer flexibility, low physical stress, and the ability to use the skills you’ve spent a lifetime building.

Financially, the timing is right. For 2026, the Social Security Administration has raised the earnings limit for early retirees to $24,480. This means you can earn over $2,000 a month without triggering a reduction in your benefits if you are under full retirement age. If you have already reached full retirement age, you can earn as much as you like with no penalty at all.

Here are 10 of the best part-time jobs for retirees, along with current pay rates and tips on how to get started.

A senior man working as a consultant from his home office. — An experienced consultant smiles during a virtual meeting, providing expert guidance from his professional, book-filled home office.

1. Consultant

If you retired from a specialized career in business, healthcare, engineering, or education, your knowledge is still in high demand. Companies often prefer hiring retired experts for short-term projects because they don’t need to pay for benefits or long-term training.

Why it’s great: You set your own hours and rates. It allows you to stay connected to your industry without the 9-to-5 grind.
Potential Pay: Highly variable, but often $50 to $150+ per hour depending on your niche.
How to start: Update your LinkedIn profile to “Consultant” and reach out to former colleagues. Platforms like Upwork or specialized industry boards can also help you find contracts.

Close-up of hands typing on a laptop in a clean, organized home office. — Manage administrative tasks from a cozy home office using a laptop, weekly planner, and a warm cup of coffee.

2. Virtual Assistant (VA)

Small business owners and busy professionals need help with administrative tasks like scheduling, email management, and data entry. As a Virtual Assistant, you can do all of this from the comfort of your home office.

Why it’s great: It is 100% remote. If you are organized and comfortable with basic computer tools like Microsoft Office or Google Docs, you are already qualified.
Potential Pay: $16 to $35 per hour. Specialized VAs (like those with bookkeeping or real estate skills) earn the higher end of that range.
How to start: Look for “remote administrative assistant” or “virtual assistant” roles on job boards like Indeed or FlexJobs.

A senior man happily walking a dog in a sunny park. — A smiling man walks a golden retriever through a sun-drenched park, highlighting the rewarding joy of professional dog walking.

3. Pet Sitter or Dog Walker

Americans love their pets, and spending on pet care continues to rise. If you are active and love animals, this is one of the most enjoyable ways to earn extra money.

Why it’s great: It provides companionship and keeps you physically active. You can choose to host pets in your home, visit them, or just take dogs for mid-day walks.
Potential Pay: $25–$30 per drop-in visit or $40–$75+ per night for overnight sitting.
How to start: Apps like Rover and Wag! make it easy to create a profile and connect with local pet owners. Alternatively, simple word-of-mouth in your neighborhood can be very effective.

A senior woman tutoring students online via a video call. — A smiling senior woman engages with students through a webcam, sharing her knowledge from a bright, professional home office.

4. Online Tutor

The demand for online education remains strong. Parents are looking for help with K-12 subjects, and adults are often looking to learn English or other languages. If you are a retired teacher or just knowledgeable in a specific subject, this is a natural fit.

Why it’s great: You can work from anywhere with an internet connection. No standing on your feet all day, and no classroom discipline issues.
Potential Pay: $20 to $30 per hour typically, with specialized test prep (SAT/ACT) paying more.
How to start: Check out platforms like Wyzant, Tutor.com, or VIPKid (for ESL). Local libraries also often have bulletin boards where you can advertise private lessons.

A senior man acting as a substitute teacher in a bright library. — An experienced substitute teacher holds an open book while engaging in a thoughtful discussion with a student in the library.

5. Substitute Teacher

Schools across the country are facing a shortage of teachers. Many districts are actively recruiting retirees because of their reliability and life experience. You don’t always need a teaching degree; many states only require a bachelor’s degree in any field plus a background check.

Why it’s great: You choose which days you want to work. If you want to take a month off to visit grandkids, you simply don’t accept assignments for that month.
Potential Pay: Rates have risen in many areas, often ranging from $80 to $125+ per day (roughly $20/hour).
How to start: Contact your local school district’s human resources department to ask about the application process and background check requirements.

A senior woman providing customer service from a cozy home office. — A smiling woman provides remote support from a cozy window seat, perfectly balancing professional service with quiet home comfort.

6. Remote Customer Service Representative

Many companies, including major airlines, retailers, and insurance providers, have shifted their call centers to remote models. They need patient, articulate people to handle customer inquiries over the phone or via chat.

Why it’s great: Seniors are often valued in these roles for their patience and “soft skills.” It’s steady work that can be done from home.
Potential Pay: $16 to $18 per hour on average.
How to start: Search for “remote customer service” or “work from home support” on major job sites. Be wary of scams—never pay for a “starter kit” or training.

A retiree managing financial records on a tablet and calculator. — A professional meticulously manages financial spreadsheets using a calculator and digital tablets to ensure precise and organized business records.

7. Bookkeeper

If you have a background in accounting or are just good with numbers, freelance bookkeeping is a fantastic part-time career. Small businesses often need someone to reconcile their bank accounts and generate monthly reports but don’t need a full-time accountant.

Why it’s great: It is low-stress, quiet work that can often be done on your own schedule.
Potential Pay: $20 to $50+ per hour depending on your experience and if you work as a freelancer or employee.
How to start: If you aren’t already a pro, you can take a certification course in software like QuickBooks. Then, market your services to local small businesses.

A senior woman leading a tour at a historical site. — A smiling woman in a straw hat gestures toward a grand historic building, sharing her passion for art and history.

8. Tour Guide or Museum Docent

Do you know the history of your city better than anyone? Do you love art or nature? Museums, historical societies, and walking tour companies are excellent places for seniors who love storytelling.

Why it’s great: It’s social, intellectual, and gets you out of the house. You meet people from all over the world.
Potential Pay: $16 to $20 per hour plus tips, which can be significant for engaging guides. (Note: Some docent roles are volunteer, so be sure to check).
How to start: Visit local museums or tour companies in your area and ask about seasonal or part-time openings.

A friendly senior man smiling from the driver's seat of a car. — A friendly senior man smiles from the driver’s seat, ready to welcome passengers and enjoy the freedom of driving.

9. Rideshare Driver

While not for everyone, driving for Uber or Lyft offers the ultimate flexibility. You turn the app on when you want to work and turn it off when you don’t.

Why it’s great: You can combine it with your errands. Driving a few hours during busy times can pay for your weekly groceries.
Potential Pay: Net earnings (after gas and wear-and-tear) typically range from $16 to $24 per hour, though this varies heavily by location and time of day.
How to start: You will need a relatively new vehicle (usually less than 10-15 years old), a smartphone, and a clean driving record. Download the driver app for the service you prefer to apply.

A senior woman working in a high-end retail boutique. — A professional retail associate meticulously folds garments, ensuring every display looks perfect for customers in a stylish boutique.

10. Retail Sales Associate

Local boutiques, hardware stores, and garden centers often prefer older employees because they are reliable and knowledgeable. If you have a hobby like gardening or knitting, working in a store that specializes in that interest hardly feels like work.

Why it’s great: It gets you social interaction and an employee discount. It’s perfect for picking up a few shifts a week without taking work home with you.
Potential Pay: $15 to $21 per hour depending on the retailer and your location.
How to start: Visit your favorite local shops in person and ask if they are hiring. A personal connection often works better than an online application for small businesses.

A senior couple reviewing their finances on a tablet together. — A smiling senior couple reviews their financial plans on a tablet in a bright kitchen, balancing work and retirement.

Smart Financial Moves for Working Retirees

Before you accept a job, keep these financial rules in mind to maximize your benefit:

1. Watch the Social Security Earnings Limit

If you are collecting Social Security and are under your Full Retirement Age (FRA), there is a limit to how much you can earn before benefits are temporarily withheld.

The 2026 Limit: $24,480.

The Rule: If you earn more than this, $1 is withheld from your benefits for every $2 you earn above the limit. (Note: These withheld benefits are not lost forever; your monthly benefit is recalculated and increased once you reach FRA).

2. Know Your Tax Deductions

Earning extra income might bump you into a tax bracket where you owe a bit more. However, the standard deduction for seniors is generous. For the 2026 tax year, the standard deduction for single filers over age 65 is $18,150 (base + additional senior amount). for married couples where both are over 65, it is $35,500.

3. Medicare Premiums

For most retirees, working part-time won’t affect Medicare. However, if your income increases significantly, you might eventually face an IRMAA surcharge (a higher premium for high earners). For 2026, the standard Part B premium is $202.90 per month. Just keep an eye on your total adjusted gross income if you are earning a high hourly rate.

“I tell my clients, ‘$1 is greater than $0,’ as even a small income stream can help reduce withdrawals from your retirement portfolio, stretch your savings further, and create more flexibility in your monthly budget.” — Andy Smith, Financial Planner at Edelman Financial Engines

A senior man thoughtfully checking his schedule on a calendar. — An older man studies his calendar intently, illustrating how easily a missed date can turn into a major pitfall.

Pitfalls to Watch For

Taxation of Benefits: If your “combined income” (your adjusted gross income + nontaxable interest + 1/2 your Social Security benefit) goes above $25,000 (single) or $32,000 (married), you may have to pay income tax on a portion of your Social Security benefits.
Scams: Be very careful of “work from home” jobs that ask you to pay for equipment upfront or “process checks.” Legitimate employers pay you; you never pay them.
Physical Burnout: Don’t commit to more hours than you can handle. The goal is to enhance your retirement, not exhaust yourself. Start with fewer hours and add more only if you feel comfortable.

Returning to the workforce part-time can be one of the most empowering decisions you make in retirement. It gives you a sense of purpose, social connection, and a financial cushion that makes inflation much less scary. Choose a role that fits your lifestyle, and enjoy the freedom of earning on your own terms.

This is educational content based on general financial principles for seniors. Individual results vary based on your situation. Always verify current benefit amounts, tax rules, and program eligibility with official government sources.

Last updated: February 2026. Benefit amounts, tax rules, and program details change annually—verify current figures with official government sources.