The Social Security Administration looks at your 35 highest-earning years of income when calculating your benefit.
You must pay the maximum amount in Social Security taxes to claim the largest possible checks.
While you can apply as young as 62, you must wait until 70 to get the max monthly checks.
The maximum Social Security check has never looked better than it does in 2026. The richest beneficiaries are now taking home $5,251 per month, or more than $63,000 per year. And their checks will only grow over time thanks to cost-of-living adjustments.
If you’d like to join this elite group, there are three boxes you need to check before you apply. You’ll have to put in some real work to pull this off.
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The Social Security Administration uses your income from your 35 highest-earning years, adjusted for inflation, to calculate your monthly retirement benefit. You can apply before you’ve spent 35 years in the workforce, but doing so shrinks your checks because you’ll have zero-income years included in your benefit calculation.
There’s no downside to working longer than 35 years, though. If you’re earning more than in years past, your recent, higher-income years will start to push your earlier, lower-income years out of your benefit calculation, increasing your checks.
You must pay the maximum amount of Social Security taxes in all 35 of your highest-earning years to take home the largest checks. In 2026, that means earning at least $184,500 from your job. The limit was lower in the past.
This is the step that bars most people from claiming Social Security’s largest checks. You may not earn enough to qualify for the max benefit, but you can still do your best to boost your income today. Working overtime, securing a raise, or finding a better-paying job somewhere else can all help you boost your future Social Security benefit.
You can claim Social Security as early as 62, but you must wait until age 70 if you want the largest possible checks. Every month you delay your application boosts your benefits a little, and the rate of increase accelerates over time.
While many people get their largest lifetime benefit by applying at 70, it’s not the right strategy for everyone. If you have a short life expectancy or you lack other retirement income sources to help you cover your expenses until you’re ready to apply, you’re probably better off signing up for Social Security early.
Even if you don’t manage to secure the maximum Social Security benefit, you can still leverage the tips above to get larger checks. Do what you can to increase your income and time your Social Security application carefully based on your finances and life expectancy. You should also save as much as you can on your own to supplement your benefits.
If you’re like most Americans, you’re a few years (or more) behind on your retirement savings. But a handful of little-known “Social Security secrets” could help ensure a boost in your retirement income.
One easy trick could pay you as much as $23,760 more… each year! Once you learn how to maximize your Social Security benefits, we think you could retire confidently with the peace of mind we’re all after. Join Stock Advisor to learn more about these strategies.
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