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Quiz: How Social Security Calculates Retirement Benefits

Test your knowledge of how the government determines your monthly payments

Andy Markowitz,

AARP

En español

September 01, 2022

9 Questions

[ {
  "question" : "Social Security retirement benefits are calculated on the basis of:",
  "answers" : [ {
    "answer" : "The number of Social Security credits you have earned",
    "correctAnswer" : false
  }, {
    "answer" : "Your lifetime earnings history",
    "correctAnswer" : true
  }, {
    "answer" : "How much you have paid in Social Security taxes",
    "correctAnswer" : false
  }, {
    "answer" : "Your life expectancy",
    "correctAnswer" : false
  } ],
  "multiSelect" : false,
  "explanation" : "The Social Security Administration (SSA) uses this data from your tax filings, adjusted for historical wage trends, to derive what it calls your average indexed monthly earnings. It then plugs that monthly average into a progressive formula to determine your benefit amount.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "Why is the benefit formula called progressive?",
  "answers" : [ {
    "answer" : "It was proposed in the early 20th century during the Progressive Era of American history",
    "correctAnswer" : false
  }, {
    "answer" : "It was implemented gradually, in progressive steps",
    "correctAnswer" : false
  }, {
    "answer" : "It is weighted in favor of lower-income workers",
    "correctAnswer" : true
  }, {
    "answer" : "It provides a bigger benefit if you have home insurance",
    "correctAnswer" : false
  } ],
  "multiSelect" : false,
  "explanation" : "The more you earned during your working life, the bigger your benefit will be in raw dollar terms (up to a point). However, the formula provides proportionally higher benefits to people who earned the least during their working lives and are more likely to be dependent on Social Security in retirement.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "How much of your income goes into calculating your benefit?",
  "answers" : [ {
    "answer" : "Every dollar",
    "correctAnswer" : false
  }, {
    "answer" : "Half of it",
    "correctAnswer" : false
  }, {
    "answer" : "Up to $400,000 a year",
    "correctAnswer" : false
  }, {
    "answer" : "The amount that’s taxed to fund Social Security",
    "correctAnswer" : true
  } ],
  "multiSelect" : false,
  "explanation" : "Each year, the SSA sets a threshold for how much of a worker’s income is subject to withholding for the payroll taxes that largely fund the Social Security system. That threshold — $147,000 in 2022 — is also the maximum amount of income Social Security can count from that year in figuring your benefit.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "How many years of earnings go into calculating your benefit?",
  "answers" : [ {
    "answer" : "10",
    "correctAnswer" : false
  }, {
    "answer" : "25",
    "correctAnswer" : false
  }, {
    "answer" : "35",
    "correctAnswer" : true
  }, {
    "answer" : "Every year you paid income taxes",
    "correctAnswer" : false
  } ],
  "multiSelect" : false,
  "explanation" : "Social Security uses your 35 highest-earning years to derive your monthly average income and, from there, your benefit amount. If you worked for fewer than 35 years, you get credited with zero earnings for each year under the threshold.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "At what age do you qualify to receive 100 percent of the benefit amount calculated from your lifetime earnings?",
  "answers" : [ {
    "answer" : "62",
    "correctAnswer" : false
  }, {
    "answer" : "65",
    "correctAnswer" : false
  }, {
    "answer" : "Between 66 and 67",
    "correctAnswer" : true
  }, {
    "answer" : "70",
    "correctAnswer" : false
  } ],
  "multiSelect" : false,
  "explanation" : "You receive your full benefit — what Social Security calls your basic benefit — at your full retirement age. Under current law, full retirement age is 66 and 4 months for people born in 1956 and increases by two months for each subsequent birth year before settling at 67 for those born in 1960 and later.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "If you start benefits before full retirement age, Social Security:",
  "answers" : [ {
    "answer" : "Permanently reduces your benefit",
    "correctAnswer" : true
  }, {
    "answer" : "Reduces your benefit until you reach full retirement age",
    "correctAnswer" : false
  }, {
    "answer" : "Reduces your benefit until you turn 70",
    "correctAnswer" : false
  }, {
    "answer" : "Enrolls you in Medicare",
    "correctAnswer" : false
  } ],
  "multiSelect" : false,
  "explanation" : "Starting Social Security early will lower your benefit by up to 30 percent, and the reduced rate is locked in for life. On the other hand, you can get up to 32 percent more than your basic benefit by waiting until age 70 to claim.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "Which of these factors can affect your retirement benefit payment?",
  "answers" : [ {
    "answer" : "Being married",
    "correctAnswer" : false
  }, {
    "answer" : "Having kids",
    "correctAnswer" : false
  }, {
    "answer" : "Continuing to work",
    "correctAnswer" : true
  }, {
    "answer" : "All of the above",
    "correctAnswer" : false
  } ],
  "multiSelect" : false,
  "explanation" : "People who claim benefits before full retirement age and continue to work are subject to Social Security’s earnings test, which may temporarily reduce monthly payments. (Social Security restores benefits lost to the earnings test in stages once you reach full retirement age.) Marital status and parenthood have no impact on your retirement benefit.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "When can Social Security recalculate your basic benefit?",
  "answers" : [ {
    "answer" : "Never. It’s frozen when you file for Social Security.",
    "correctAnswer" : false
  }, {
    "answer" : "Every year",
    "correctAnswer" : true
  }, {
    "answer" : "Every 5 years",
    "correctAnswer" : false
  }, {
    "answer" : "When you die, to determine benefit amounts for your survivors",
    "correctAnswer" : false
  } ],
  "multiSelect" : false,
  "explanation" : "Your basic benefit can change annually based on whether there is a cost-of-living adjustment for that year. Social Security will also increase your benefit if you worked the previous year and your income ranked among your 35 highest-earning years.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "The AARP Social Security Calculator can:",
  "answers" : [ {
    "answer" : "Provide an estimate of your projected future benefit, based on your earnings history, if you file at various ages",
    "correctAnswer" : false
  }, {
    "answer" : "Help you see what percentage of daily expenses your Social Security payments can cover",
    "correctAnswer" : false
  }, {
    "answer" : "Estimate the �effect continuing to work could have on your benefits ",
    "correctAnswer" : false
  }, {
    "answer" : "All of the above",
    "correctAnswer" : true
  } ],
  "multiSelect" : false,
  "explanation" : "Knowing roughly how much you can expect to receive by claiming Social Security at various ages and how those payments fit into your overall budgeting are key elements of retirement planning.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
} ]

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Andy Markowitz covers Social Security and retirement for AARP. He is a former editor of the Prague Post and Baltimore City Paper.

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Finances

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Health & Wellness

AARP Online Fitness powered by LIFT session

Customized workouts designed around your goals and schedule

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