The 2025 Social Security COLA increase will help more than 72.5 million Americans. But this 2.5% increase won’t happen until January 2025. This means that American retirees will get the same amount of money in October, November, and December.
In 2024, people who filed for retirement at Full Retirement Age can get up to $3,822 from Social Security. But they won’t use the delayed payments that could have given them $4,873 if they filed when they were 70 in 2024. They will still get all of their benefits.
Largest Social Security payment at Full Retirement Age in 2025
In 2025, the most a worker can get from Social Security when they reach full retirement age will be $4,018, up from $3,822. In the United States, Full Retirement Age is not the same for everyone.
Like, in 2024, the Full Retirement Age is 66 years and 8 months old. In 2025, it will be 66 years and 10 months old. Information: For people born after 1960, the age at which they can retire fully is 67.
In the United States, 65 is no longer the Full Retirement Age because it has kept going up over time. You may now be thinking how to get a big payment of $4,018 in 2025. Let’s find out!
How to get $4,018 in 2025 from Social Security
The Agency has made a list of things that must be done in order to get the biggest retirement funds. This way, only those who reach the goal can get really big payments. These are the requirements:
- filing for Social Security at Full Retirement Age (66 years and 10 months)
- working for a minimum of 35 years, more in some cases if you do not achieve the following condition
- earning the contribution and benefit base (taxable maximum) for 35 years
- work in jobs that pay payroll taxes, that is, they are covered by SSA
You can easily get a Statement to find out how much your Social Security income will be in the future. This will help you figure out how much money you could make at different ages and when the best time is to quit.
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