The maximum benefit at full retirement age runs close to three times the average benefit

Popularity Index: 7 Updated at 2026-10-23 08:22 UTC

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Up to 85 percent of a Social Security benefit can be taxable depending on other income A widow or widower steps up to the full amount the deceased worker was receiving Annual cost-of-living adjustments follow the CPI-W and compound into the base benefit A retroactive lump sum covers up to six months of unclaimed benefits past full retirement age The earnings test withholds part of the benefit above an annual limit and then recalculates at full retirement age A denial is appealed first through reconsideration and then before an administrative law judge A spouse can claim up to half of the worker's benefit but only from their own full retirement age A divorced spouse can claim on an ex's record after a ten-year marriage without the ex being involved The Windfall Elimination Provision and the Government Pension Offset were repealed in 2025 Disability benefits convert to retirement benefits at full retirement age with no change in the amount

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