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Social Security: Three ways to get the maximum benefit

The maximum monthly Social Security benefit is $4,194.

Social Security cards

Here are three ways to make sure you get the maximum benefit.


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1. Work longer

In 2022, the average monthly Social Security benefit is $1,657. However, the maximum benefit is considerably higher– $4,194. But you will need to take a few steps to get there.

The Social Security Administration (SSA) takes an average of your wages over the last 35 years of your career to calculate your benefit. If you didn’t work for 35 years a zero will be your average for each year you didn’t bring in money. But the benefit will be adjusted for inflation.

2. Delay claiming your benefits

To receive the maximum benefit of $4,194 a month, you will need to delay claiming your benefits until age 70. If you start claiming Social Security benefits before age 70– you will receive a reduced amount?

If you’re wondering how much you can claim each month based on age, here’s a quick look:

  • Age 62: $2,364
  • Age 65: $2,993
  • Age 66: $3,240
  • Age 67: $3,568
  • Age 70: $4,194

3. Higher income

In 2022, the wage cap is $147,000– an increase of $4,200 since last year. In order to get the maximum senior citizens must have been a high earner throughout their time in employment.


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