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This answer is from Does collecting unemployment affect my future Social Security benefits?

Mark Kantrowitz
FiLife Contributor
6 months ago

Collecting unemployment benefits does not directly reduce the amount of social security benefits you get. However, the amount of social security benefits is based on your average monthly earnings during the 35 years when you had the highest earnings. So if you were unemployed for many years, it could reduce the average earnings figure and from that have an impact on your basic benefit. But you are unlikely to be unemployed for long enough to have a big impact on the overall average.

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