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How big can your Social Security check be in 2026? The maximum payment explained

Social Security maximum benefits in 2026 after COLA adjustment: In 2026, the maximum Social Security retirement benefit is expected to reach about $5,251 per month. This amount applies only to workers who earned at or above the Social Security wage cap for at least 35 years and delayed claiming benefits until age 70. On an annual basis, that translates to more than $63,000 a year in guaranteed income from Social Security alone.

15 Dec 2025 10:50 pm