Regardless of what State in the United States we live in, getting the most favorable Social Security check for us should be our goal. Therefore, we should do everything we can to maximize our monthly retirement payment. It is the best way for us to be able to have a financially perfect golden years.
Even so, not all people can manage to get this large amount of monthly money. For that reason, knowing what the average Social Security check is depending on age is important. This way we will know if we are within the average or not. Once we know if our check is close to the average, we will be able to determine whether or not our budget will be sufficient in the future.
Although the maximum Social Security check will be $4,555 per month in 2023, this figure is unattainable for most people. This is especially so because in order to reach that number, it is mandatory to retire very late. However, there is nothing to worry about if we do not reach that monthly amount, since with good organization it is possible to have a good retirement.
What is the average Social Security check by age?
Each age has a maximum check, as well as an average check. Let’s see what the average check is for each age to find out if our benefit is within this statistic.
| Age | Average Social Security Retirement Benefit | Age | Average Social Security Retirement Benefit |
| 62 | $1,274 | 81 | $1,868 |
| 63 | $1,365 | 82 | $1,847 |
| 64 | $1,411 | 83 | $1,811 |
| 65 | $1,504 | 84 | $1,792 |
| 66 | $1,719 | 85 | $1,763 |
| 67 | $1,844 | 86 | $1,711 |
| 68 | $1,848 | 87 | $1,687 |
| 69 | $1,818 | 88 | $1,685 |
| 70 | $1,963 | 89 | $1,690 |
| 71 | $1,946 | 90 | $1,714 |
| 72 | $1,915 | 91 | $1,701 |
| 73 | $1,925 | 92 | $1,698 |
| 74 | $1,937 | 93 | $1,698 |
| 75 | $1,908 | 94 | $1,706 |
| 76 | $1,921 | 95 | $1,711 |
| 77 | $1,875 | 96 | $1,691 |
| 78 | $1,868 | 97 | $1,703 |
| 79 | $1,866 | 98 | $1,676 |
| 80 | $1,868 | 99+ | $1,652 |
It is important to keep in mind that retiring at this age does not mean having a check of this amount. Each citizen will have a different check depending on his or her work history. That is why we must know how to increase our Social Security check and get what is most convenient for us.
How to increase the average retirement check?
In order to get a check that is larger than average, we will need to maximize our chances. To do this, we must take into account three elements:
- Retirement age.
- Salary as a worker.
- Years worked.
A citizen’s work history must have at least 35 years to get a good Social Security check. In addition to that, we must have a good salary during those years worked. These two elements go hand in hand, so don’t leave out either one.
On the other hand, the minimum age to apply for retirement is 62, but that does not mean it is the most suitable. To get a good monthly check, it is mandatory to wait until at least 67 years old. If we want to get the maximum $4,555 check in 2023 we have to wait until 70.
In short, the route to follow to get a good Social Security check is to combine a good salary with 35 years worked. To that we must add applying for retirement pay at age 70. Only then will we have the best possible monthly retirement payment.