討論full retirement 到 70歲的8% 問題。看我理解的對不對？（提上來問）

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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