Skip to content

How can you keep your personal information safe from online scammers on the dark web? Find out on AARP Live at 10 p.m. ET.


What is the maximum Social Security benefit?

The most an individual who filed a claim for Social Security retirement benefits in 2018 can receive per month is:

  • $3,698 for someone who filed at age 70. 
  • $2,788 for someone who filed at full retirement age (currently 66).
  • $2,158 for someone who filed at 62.

(For context, the average Social Security retirement benefit in 2018 is $1,404 a month. The average disability benefit is $1,197.)

Who is eligible for the maximum benefit? People who earned Social Security’s maximum taxable income — the amount of your earnings on which you pay Social Security taxes — for at least 35 years of their working lives. The maximum taxable income in 2018 is $128,400; the figure is adjusted annually based on changes in national wage levels, and thus the maximum benefit changes each year.

Keep in mind

  • The maximum benefit is not to be confused with the maximum family benefit. That’s the most a family can collectively receive from Social Security (including retirement, spousal, children’s, disability or survivor benefits) on one family member’s earnings record. 

Published October 10, 2018

Join the Discussion

0 | Add Yours

Please leave your comment below.

You must be logged in to leave a comment.