examples

if you pay ss tax max every year for 10 years then stop working...

106800*10*12/35=2542

When you retire, you get 690+813=1503/month 

90% of 767 = 690 plus

32% of (2542-767) = 813

if you pay ss max for over 35 years, you get 2565/month

106800*10*12/35=8900

90% of 767 = 690 plus

32% of (4624-767) = 1234 plus

15% of (8900-4624) = 641