讨论full retirement 到 70岁的8% 问题。看我理解的对不对?(提上来问)

来源: 2025-09-01 07:54:03 [博客] [旧帖] [给我悄悄话] 本文已被阅读:
The maximum Social Security retirement benefit for someone retiring in 2025 is $5,108 per month for those who claim at age 70, which requires a lifetime of high earnings, including 35 years of earning at or above the annual maximum taxable income. The maximum earnings subject to Social Security tax in 2025 is $176,100.  
 
Here's a breakdown:
  • Maximum Benefit Amount (2025):
    • $2,831 per month: This is the maximum benefit for those who claim as early as possible at age 62. 
    • $5,108 per month: This is the top benefit for high earners who delay claiming their benefits until age 70.  
       
    • $4,018 per month: This is the maximum benefit for those who claim at their full retirement age
    • (FRA). 
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