In the United States, before we apply for the Social Security retirement benefit we must know how this check is set up. Once we know how we can get a bigger check, it will be easier to have better golden years.
In the case of wanting to achieve a good benefit we will have to watch out for three fundamental elements. And although it may not seem so, the State can change a lot one of these three elements.
The fact is that the salary during our working years is fundamental to determine the Social Security check. The higher the salary, the higher the benefit in the future. And this is precisely what makes retirement checks bigger in these states.
In this case we are talking about the average. That is, not all retirees in these states have bigger checks than the rest. But the average Social Security benefit is higher in these states.
These are the states in which, thanks to a higher salary, retirees have a larger Social Security check:
- New Jersey: $1,835
- Connecticut: $1,833
- Delaware: $1,809
- New Hampshire: $1,802
- Maryland: $1,773
- Washington: $1,752
- Michigan: $1,746
- Minnesota: $1,741
- Massachusetts: $1,729
- Kansas: $1,721
If you live in one of these states, you may be able to get a good Social Security check, although it depends on more factors. It’s not just your wages during your time as a worker that sets up your monthly check.
In addition to that, years worked and retirement age are essential in order to get the best possible benefit.
The key to a higher Social Security benefit is to work for 35 years at a high salary. In addition to that, it is also good to delay the retirement age as much as possible.