Dear Rusty: Is there a limit on earnings when you’re fully retired? Also, should all retirees receive COLA or is there an exception? Signed: Retired But Wondering Dear Retired: Your questions are fairly simple but, nevertheless, often perplexing to those wishing to apply for Social Security, because the SS rules are many (over 2,700 of them) and those about to apply for their benefits may be simply unsure and want to avoid a costly mistake. I’m happy to answer your questions and, hopefully, clarify any uncertainties you have on these topics.