In 2026, the maximum Social Security retirement benefit will be around $5,251 per month, but only for top earners who wait until age 70 to claim, while those retiring at full retirement age (FRA) might see about $4,152 monthly; Massachusetts residents get the same federal benefit, though state-specific SSI rules exist. To get the top amount, you must have earned the maximum taxable amount (which is $184,500 in 2026) for at least 35 years and claimed at age 70.
Key Figures for 2026
- Maximum Monthly Benefit (Age 70): Approximately $5,251.
- Maximum Monthly Benefit (Full Retirement Age): Around $4,152.
- Maximum Taxable Earnings (Contribution and Benefit Base): $184,500.
How to Qualify for the Maximum
- High Earnings: Earn the Social Security taxable maximum ($184,500 in 2026) for at least 35 years.
- Delay Claiming: Wait until age 70 to start benefits to receive the highest possible monthly payment.
Important Note
These figures are federal; Social Security benefits are the same nationwide, but Massachusetts also administers Supplemental Security Income (SSI), which has different maximums.
These figures are federal; Social Security benefits are the same nationwide, but Massachusetts also administers Supplemental Security Income (SSI), which has different maximums.
