Social Security’s maximum benefit will reach a record $5,108 per month in 2025. This is the first time any retiree will take home more than $5,000 per month from the program. But only a select few will receive anything close to this amount.
Achieving the maximum Social Security benefit in any year requires you to meet three key criteria. It sounds simple, but pulling it off only grows harder each year. If you’re a worker or a recent retiree who wants to know whether the largest checks are a possibility for you, here’s what you need to do.
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1. Work at least 35 years
The first thing you must do to qualify for the maximum Social Security benefit is to work for at least 35 years before retiring. This is important because the government bases your benefit on your average monthly earnings during your 35 highest-earning years, adjusted for inflation. The result is your average indexed monthly earnings (AIME).
You can still qualify for Social Security with as few as 10 years of work history, but you definitely want to aim for 35 if you can. Those who fall short of the 35-year mark have zero-income years included in their benefit calculation. Even one of these drops your AIME significantly.
For example, if you earned $60,000, adjusted for inflation, every year for 35 years, your AIME would be about $2,311 per month based on the 2025 Social Security benefit formula. But if you only had 34 years of work history, you’d get $2,265 per month — $46 less. That would cost you more than $11,000 over 20 years.
2. Pay the max amount of Social Security taxes in all 35 years
The largest Social Security checks go to those who paid the most in Social Security taxes throughout their careers. If you want the maximum benefit, you must earn the maximum income subject to Social Security taxes in each of your 35 highest-earning years.
In 2025, that means you must make at least $176,100. But in prior years, that limit was lower. In 2024, for example, you only needed to earn $168,600. In future years, the ceiling on income subject to Social Security taxes will likely rise due to inflation.
Most people don’t earn enough, which is why the average Social Security benefit for 2025 is only around $1,976 per month for retired workers. Still, anything you can do today to increase your income — working overtime, seeking out a better-paying job, or starting a side hustle — can lead to more Social Security benefits in retirement.
3. Delay your application until 70
You are eligible to apply for Social Security retirement benefits as early as 62, but there’s a penalty for claiming before your full retirement age (FRA). That’s between 66 and 67, depending on your birth year. Specifically, you lose 5/9 of 1% per month for up to 36 months of early claiming. Those who start even earlier lose another 5/12 of 1% per month.
You may also delay Social Security past your FRA, and your checks will grow by 2/3 of 1% per month until you reach 70. That’s when you qualify for your maximum benefit. You must do this if you hope to take home Social Security’s largest checks.
However, waiting until 70 isn’t the right choice for everyone. Those with health issues may not live long enough to make delaying benefits worthwhile. And retirees with limited personal savings may need to apply early so they can use their checks to cover their bills. Still, delaying is an option worth considering if you can manage it. It results in larger lifetime benefits for most workers.
Though the max Social Security benefit isn’t achievable for most of us, the principles discussed above are still useful when it comes to maximizing your own checks. Keep them in mind so you don’t miss out on opportunities to boost your benefits.
