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The average monthly benefit for retired workers is only $1,827 per month in January 2023.
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To qualify for the maximum Social Security benefit and receive $4,555 a month, you must:
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1. Must start taking benefits at age 70 for a maximum in 2023. If you retired at age 62, the maximum benefit is $2,572.
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If you start benefits at the full retirement age of 67, the maximum benefit you'll receive is $3,627.
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2. Work at least 35 years for $4,555 a month.
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3. The amount of your earnings that are subject to the 6.2% Social Security tax.
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Next steps