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2. Think You'll Get Full Social Security? Missing This 35-Year ...

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   If You Worked 30 Years: Social Security will add five zero-income years to reach the 35-year mark. Those zeros lower your average, meaning you'll have a smaller benefit than if you'd had a full 35 ...

3. 5 Social Security Changes Retirees Need to Know About in 2025

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   The basic idea behind the Social Security formula is that your 35 highest-earning years are indexed for inflation and averaged, and your monthly average earnings is applied to a formula with three ...

4. How Social Security benefits are calculated - AOL

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   The formula for calculating your PIA is based on the average indexed monthly earnings, or AIME, in your 35 highest-earning years after age 21, up to the Social Security wage base.

5. Average Indexed Monthly Earnings - Wikipedia

   en.wikipedia.org/wiki/Average_Indexed_Monthly...

   Each calendar year, the wages of each covered worker [a] up to the Social Security Wage Base (SSWB) are recorded along with the calendar by the Social Security Administration. If a worker has 35 or fewer years of earnings, then the Average Indexed Monthly Earnings is the numerical average of those 35 years of covered wages; with zeros used to ...

6. Social Security (United States) - Wikipedia

   en.wikipedia.org/wiki/Social_Security_(United...

   Average in more working years. Social Security benefits are now based on an average of a worker's 35 highest paid annual salaries with zeros averaged in if there are fewer than 35 years of covered wages. The averaging period could be increased to 38 or 40 years, which could potentially reduce the deficit by 10% to 20%, respectively. [citation ...

7. 5 Things You Need To Know About Social Security If You Plan ...

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   The full retirement age (FRA) for Social Security is the age at which you are entitled to your full monthly payment based on your career earnings record. The FRA for nearly all new applicants is ...

8. Here's the Average Social Security Benefit at Ages 62 ... - AOL

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   If you believe you'll need your Social Security check to make ends meet during retirement, you'll want to work at least 35 years. The third variable, your full retirement age, is determined by the ...

9. Here Are the Average Social Security Benefits at Ages 62, 67 ...

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   Claiming Social Security at 62 would reduce your monthly PIA by 30%; delaying benefits until 70 would increase it by roughly 24% (assuming your full retirement age is 67).