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Can You Get the Maximum Social Security Benefit? - USA Today
It isn’t impossible, but you probably cannot get the maximum possible Social Security benefit. Why? Because three things must be in perfect alignment for that to happen: 1) you must contribute to Social Security from your work earnings for at least 35 years (fairly easy for most Americans); 2) you must wait until age 70 to claim your Social Security benefits (not at all possible for about 90% of Americans); and 3) you must have earned at least the annual payroll tax cap for all of your working years (much less probable, and not something you can change now). In this USA Today article, Keith Speights explains that achieving the maximum monthly Social Security benefits is a fantasy for nearly everyone. Click here to read more.
If you’re unsure about how these basics apply to you, or if you have any questions about your individual situation under Social Security, note that the AMAC Foundation provides a free-to-the-public advisory service to help Americans navigate the complexities of this program. All questions are answered quickly, at no charge. Learn more about it here…