
Social Security payments are a vital source of income for millions of Americans. In 2025, the average monthly benefit is projected to be just under $2,000. However, some retirees may receive up to $5,108 per month if they meet specific criteria.
To qualify for the maximum benefit, individuals must retire at age 70 and have consistently earned the maximum taxable income over their 35 highest-earning years. In 2025, this income cap is set at $176,100 annually. While most people won’t reach this earnings limit, there are other ways to boost Social Security benefits.
Delaying claiming benefits past age 62 can result in larger checks. For example, waiting until age 70 can yield payments about 24% higher than claiming at the full retirement age of 67. Married individuals may also be eligible for spousal benefits, allowing them to collect up to 50% of their partner’s full benefit amount.
This option is available to divorced spouses as well, provided the marriage lasted at least 10 years. Even small increases in income can lead to higher Social Security payments. Although reaching the wage cap may not be feasible for everyone, any boost in earnings can make a difference in retirement income.
Social Security benefits will increase by 2.5% in 2025 due to a cost-of-living adjustment (COLA).
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