• Retirement
  • SSDI
  • SNAP
  • SSI
  • Stimulus Check
  • COLA
  • Tax
  • Social Security
Futbolete
  • Finance
  • Social Security
  • Retirement
  • SSDI
  • SNAP
  • SSI
  • Stimulus Check
  • COLA
  • Tax
  • Social Security
Futbolete
No Result
View All Result

Maximum benefit payments in retirement from Social Security in 2025, learn how to achieve it

More than 70 million Americans receive a Social Security payment in 2025, check how to get the largest benefit from SSA in 2025

  • Social Security Retirement Benefits: Payment Schedule Arrive in September 2025
  • SSDI Deposit: When Will You Get Your Check This Month
Francisco Candelera
21/02/2025 19:00
Finance
Maximum Social Security benefit payments in 2025

Maximum Social Security benefit payments in 2025

Wouldn’t you like to receive a Social Security payment that is more than average in 2025? To do so, you must meet some essential conditions. These requirements are a must, so there is no way you can avoid them. It is true that you can start receiving them as early as the age of 62 and it has both advantages and disadvantages.

However, if you happen to have a disability and it prevents you from working for over a year, you cannot wait for the largest Social Security benefits. Instead, you should apply for SSDI, also known as Disability Insurance in the United States. Generally, to get retirement payments, you must have earned 40 work credits at least.

Maximum Social Security benefit payments at the age of 62

The highest Social Security benefits in retirement if you are a 62-year-old is $2,831 in 2025. Though this will be only if you:

  • filed for retirement benefits at 62
  • earned the contribution and benefit base or taxable maximum for about 35 years or more
  • have also worked all those years (35 ate least)
  • the jobs you have must have paid Social Security taxes, so they are covered by SSA

Is it worth getting retirement benefits at 62? It will depend on your personal and financial situation. It can give you a really large check 62 but the requirements are challenging. Bear in mind that filing at 62 reduces your check by 30%.

Maximum Social Security checks at 70 or at Full Retirement Age (FRA)

The largest benefit payment in retirement is for eligible 70-year-olds who meet all the requirements. In fact, they can receive as much as $5,108 in 2025. This is the new amount after the 2025 COLA increase.

The requirements to get $5,108 are the same as for the $2,831 at 62 but you must file at 70 instead. If you file at Full Retirement Age, you can get up to $4,018 in 2025.

Filing at Full Retirement Age is the only way American workers can get 100% of their Social Security checks. If you cannot earn so much money, delay filing as much as you can, work for at least 35 years and wait until you are 70 to get delayed credits.

Tags: paymentretirementSocial Security

Last News

The schedule for Social Security benefits in September 2025

Social Security Retirement Benefits: Payment Schedule Arrive in September 2025

September dates for SSDI benefits

SSDI Deposit: When Will You Get Your Check This Month

If you're waiting for the CalFresh payment, here are the upcoming dates

September CalFresh Schedule: EBT Payment Full List

Trusted Information

Futbolete US, the news and media division of Futbolete, is a global provider of multimedia news content, reaching thousands of people around the world every day. It delivers business, financial, national, and international news directly to consumers

About Us

  • Code of ethics
  • Correction policy
  • Staff
  • Contact

Content Transparency

We are committed to delivering informative, accurate, and trustworthy content. Our articles are based on credible sources, including government websites, reputable news outlets, official press releases, and publicly available records. Each piece goes through a thorough editorial process and detailed fact-checking to ensure reliability and clarity.

  • Privacy and Cookies Policy
  • Legal Advise
  • Contact

© 2025 Futbolete News

  • Finance
  • Social Security