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In order to qualify for Social Security benefits, you need to accrue 40 credits, if you were born after Jan. 2, 1929. To earn one credit in 2024, you must have wages and self-employment income of ...
How the 35-Year Rule Affects Your Benefit. Social Security looks at your 35 highest-earning years to calculate your Average Indexed Monthly Earnings (AIME), which determines your monthly benefit. ...
To be eligible for the maximum monthly benefit, you must earn at least the wage base limit in each of the 35 years that Social Security uses to calculate your benefit amount. For perspective ...
In 2025, the maximum monthly Social Security benefit is $5,108. ... because you need to earn at least that amount in the 35 years that Social Security will use to calculate your monthly benefit.
In 2004, Urban Institute economists C. Eugene Steuerle and Adam Carasso created a Web-based Social Security benefits calculator. [184] Using this calculator, it is possible to estimate net Social Security benefits (i.e., estimated lifetime benefits minus estimated lifetime FICA taxes paid) for different types of recipients.
If you have any questions or are still unsure about your benefits and if you are receiving the correct amount, it is important to call Social Security at 1-800-772-1213 (for the deaf or hard of ...
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