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Social Security's Maximum Monthly Benefit Is Out of Reach for Most Retirees. Here's Why

Social Security's Maximum Monthly Benefit Is Out of Reach for Most Retirees. Here's Why Maurie Backman, The Motley Fool Sat, January 17, 2026 at 8:08 PM GMT+5:30 3 min read Key Points Your monthly Social Security benefits are based on your earnings history. Working long enough and delaying your claim could lead to larger monthly checks.

Social Security's Maximum Monthly Benefit Is Out of Reach for Most Retirees. Here's Why

Credit: Yahoo

Key Highlights

  • Even if you take those steps, Social Security's maximum monthly benefit may not be attainable for you.
  • The $23,760 Social Security bonus most retirees completely overlook › Many older Americans rely on the income they get from Social Security each month to stay afloat financially.
  • And if you're retiring without much savings, it's probably important that you try to get as much Social Security as possible.
  • Social Security has a maximum monthly benefit it pays to retirees that changes each year.
  • This year, the largest possible monthly check retirees can get is $5,251.
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Sources

  1. Social Security's Maximum Monthly Benefit Is Out of Reach for Most Retirees. Here's Why

This quick summary is automatically generated using AI based on reports from multiple news sources. The content has not been reviewed or verified by humans. For complete details, accuracy, and context, please refer to the original published articles.

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