{"id":37816,"date":"2025-04-06T11:01:17","date_gmt":"2025-04-06T15:01:17","guid":{"rendered":"https:\/\/futbolete.com\/us\/?p=37816"},"modified":"2025-04-06T11:01:17","modified_gmt":"2025-04-06T15:01:17","slug":"us-worker-file-social-security-2025-payment-5108","status":"publish","type":"post","link":"https:\/\/futbolete.com\/us\/us-worker-file-social-security-2025-payment-5108\/","title":{"rendered":"These Are the Americans Who Should File for Social Security in 2025 to Get a Payment"},"content":{"rendered":"<p>If you have turned <strong>70 years old<\/strong> in <strong>2025<\/strong>, this is the moment you should apply for<strong> Social Security retirement benefits<\/strong>. Why should you claim these monthly payments once you are no longer 69 years old?<\/p>\n<p>The answer is simple. This is the moment when your <strong>Social Security payments<\/strong> stop growing. Therefore, there is no point in carrying on working if what you are looking for is a higher monthly payment.<\/p>\n<h2>Maximum Social Security benefit at 70 in 2025<\/h2>\n<p>A worker who meets all the requirements can receive from the <strong>Administration<\/strong> up to $5,108 at 70. To get so much money, a worker must have <strong>worked for 35 years<\/strong> in jobs covered by <strong>SSA<\/strong>.<\/p>\n<p>This will not be enough since having a really well-paid job is essential. Only some <strong>high earners<\/strong> can achieve it. In fact, only those who have also earned the contribution and benefit base for 35 years can attain it.<\/p>\n<p>The contribution and benefit base is the<strong> taxable maximum<\/strong>. In 2025, it is <strong>$176,100<\/strong>, up from $168,600 in 2024. Filing is required to get retirement benefits in the <strong>United States<\/strong>. So apply at 70 and benefit from delayed credits.<\/p>\n<h2>Social Security and delayed Credits at 70<\/h2>\n<p><strong>Social Security<\/strong> offers delayed credits to workers who continue working once they reach <strong>Full Retirement Age <\/strong>(67 if born after 1960). It gives you 8% extra per year you work after Full Retirement Age.<\/p>\n<p>Hence, if you file at 70, instead of filing at 67, you will get a boost of 24%. Of course, this will only be possible if you are fit and healthy to continue working for 3 more years. Filing at <strong>FRA<\/strong> gives you 100% of your <strong>benefits<\/strong> so it is also a great choice.<\/p>\n<p>Workers who file for <strong>Social Security at 62<\/strong> will see their benefits reduced. It can be a bite of up to 30%. Thus, it is only advisable to file at 62 if you do not rely on Social Security to make ends meet.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you have turned 70 years old in 2025, this is the moment you should apply for Social Security retirement benefits. Why should you claim these monthly payments once you &#8230; <a title=\"These Are the Americans Who Should File for Social Security in 2025 to Get a Payment\" class=\"read-more\" href=\"https:\/\/futbolete.com\/us\/us-worker-file-social-security-2025-payment-5108\/\" aria-label=\"Read more about These Are the Americans Who Should File for Social Security in 2025 to Get a Payment\">Read more<\/a><\/p>\n","protected":false},"author":2,"featured_media":37818,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[51,41,37],"class_list":["post-37816","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-payment","tag-retirement","tag-social-security"],"_links":{"self":[{"href":"https:\/\/futbolete.com\/us\/wp-json\/wp\/v2\/posts\/37816","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/futbolete.com\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/futbolete.com\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/futbolete.com\/us\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/futbolete.com\/us\/wp-json\/wp\/v2\/comments?post=37816"}],"version-history":[{"count":0,"href":"https:\/\/futbolete.com\/us\/wp-json\/wp\/v2\/posts\/37816\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/futbolete.com\/us\/wp-json\/wp\/v2\/media\/37818"}],"wp:attachment":[{"href":"https:\/\/futbolete.com\/us\/wp-json\/wp\/v2\/media?parent=37816"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/futbolete.com\/us\/wp-json\/wp\/v2\/categories?post=37816"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/futbolete.com\/us\/wp-json\/wp\/v2\/tags?post=37816"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}