This affects everyone, whether they know it or not.You want to get the largest Social Security benefit you can, but the benefit formula can seem confusing if you don't have a finance background. Fortunately, you don't need to understand it in order to make smart choices about your checks.There are only a few key things you need to know. First, the more you pay in Social Security benefit taxes throughout your career, the larger your future retirement benefit will likely be. Second, your full retirement age ( ...

Key Points Claiming your Social Security checks before age 70 results in a benefit less than the maximum. If you claim before your full retirement age, you'll reduce your standard benefit. There are ways to increase your Social Security income later, even if you're facing a smaller benefit due to an early claim. The $23,760 Social Security bonus most retirees completely overlook › If you claimed Social Security benefits early, you made a decision that shrunk your monthly payment. You have a full ...

社会保障福利现状 - 当前退休人员的平均月度社会保障福利金为2,015美元 [3] - 在2026年2.8%的生活成本调整生效后 平均月度退休福利预计将增至2,071美元 [3] 提升福利的策略 - 推迟申领福利至完全退休年龄之后 每推迟一年月度福利将增加8% 直至70岁 [7] - 确保拥有35年的工作历史 因为社会保障局在计算月度福利时会考虑收入最高的35年 [8] - 通过社会保障局网站创建账户并查看最新的收入报表 可以预估退休后的月度福利金额 [6] 福利比较与规划 - 个人可将自己的月度福利与平均金额进行比较 [4] - 对于临近退休且预计福利较低的人士 仍有措施可以提高月度社会保障收入 [5] - 若月度福利已远低于平均水平 则可能为时已晚 难以大幅提升 [4]