Maximizing Your Social Security: How April Updates Might Unlock Bigger Benefits

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Retroactive Payments: Eligible retirees received retroactive payments averaging $6,710, compensating for past benefit reductions .

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Higher Maximum Benefits: The maximum monthly benefit at full retirement age increased to $4,018, and up to $5,108 for those delaying retirement until age 70 .

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Earnings Cap Raised: The maximum taxable earnings subject to Social Security tax rose to $176,100, allowing higher earners to contribute more and potentially receive greater benefits .

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Spousal Benefits: Married individuals can claim up to 50% of their spouse's benefit, which can be advantageous if one spouse has significantly lower lifetime earnings .

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35-Year Work History: Benefits are calculated based on your highest 35 years of earnings; working longer can replace lower-earning years and increase your benefit .

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Delayed Retirement Credits: Delaying benefits past full retirement age increases your monthly benefit by approximately 8% per year until age 70 .

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Record Accuracy: Regularly reviewing your Social Security earnings record ensures accuracy, which is crucial for correct benefit calculations .

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STAY CONNECTED

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Maximizing Your Social Security: How April Updates Might Unlock Bigger Benefits

Retroactive Payments: Eligible retirees received retroactive payments averaging $6,710, compensating for past benefit reductions .

Higher Maximum Benefits: The maximum monthly benefit at full retirement age increased to $4,018, and up to $5,108 for those delaying retirement until age 70 .​

Earnings Cap Raised: The maximum taxable earnings subject to Social Security tax rose to $176,100, allowing higher earners to contribute more and potentially receive greater benefits .​

Spousal Benefits: Married individuals can claim up to 50% of their spouse's benefit, which can be advantageous if one spouse has significantly lower lifetime earnings .​