How Does Your Social Security Benefit Compare With the Average?

How Does Your Social Security Benefit Compare With the Average?

Quick Read The average monthly Social Security retirement benefit is $2,015 and will rise to $2,071 after the 2026 cost-of-living adjustment of 2.8%. Delaying Social Security claims past full retirement age boosts monthly benefits by 8% per year until age 70. Benefits are calculated using the highest 35 years of earnings, so missing work years leads to lower benefits. If you’re focused on picking the right stocks and ETFs you may be missing …

Here's How to Maximize Your Social Security Check in 2026

Image source: Getty Images I've talked to a lot of people who assume their Social Security check is basically set in stone.But your benefit isn't fixed until the day you file. And heading into 2026, there are a few smart moves that can meaningfully increase the amount you'll collect for the rest of your life.Here's where to start.Work at least 35 yearsYour benefit is based on your 35 highest-earning years. If you have fewer than 35, the Social S…