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Getting the Maximum Social Security benefit…Not an easy task!

The highest individual monthly benefit available under Social Security this year is $3895. So, you may be wondering, “Just how do I do that, since the average benefit payment is less than half of that?” Simple, as explained by The Motley Fool’s Maurie Backman in a post on their website, all you need to do is successfully follow three basic steps! Read Ms. Backman’s post here…

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Comments On This Topic

  1. I am retiring this December and plan on applying for social security. I will be 66 in December. When do I need to apply and how do I make sure I get the maximum social security benefit for me.

    • Patrick

      Unless your birthday is December 1st, 2021, you will reach your full retirement age (FRA) of 66 & 2 months as of February 1st, 2022. You can apply anytime now if you would like to start your Social Security benefits in February 2022 and receive 100% of your FRA benefit. If your birthday is December 1st, 2021, as Social Security considers you born the day before, November 30th, you can actually apply to start your benefits in January 2022, as Social Security will consider you your FRA as of January 1st, 2022.

      If you would like to increase your Social Security benefit beyond your FRA and earn delayed retirement credits (DRCs) equivalent to 2/3 of 1% per month, for a total of 8% per year, you can delay until you turn 70 and increase your benefit by 30.66%, for the maximum benefit you can receive. Do not delay taking your benefits beyond the age of 70 as they quit growing at the end of the preceding month.

      If you have further questions please contact us by emailing or calling 888-750-2622

      Sharon Kleczka RSSA
      AMAC Foundation, Inc.

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