To secure a larger monthly Social Security check, individuals must fulfill specific criteria: a 35-year work history, income at or above Social Security wage cap for those years, and claiming benefits at age 70. This is crucial as many may rely on Social Security as a significant income source in retirement, regardless of personal savings. The article discusses a Reddit user's situation, illustrating how close one can get to the maximum benefit, highlighting the interplay of work history, earnings, and claiming age.
A larger monthly Social Security check could set you up for life.
To get the maximum monthly Social Security benefit, you need 35 years of income at or above the wage cap.
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