Your Social Security benefits are calculated based on your earnings during your 35 highest-paid years in the workforce. From there, the age at which you file determines your monthly benefit.
If you claim benefits at full retirement age (FRA), which is either 66, 67, or somewhere in between, depending on your year of birth, you'll get the exact monthly benefit you're entitled to based on your earnings record. You can also file before FRA, starting at age 62, for a reduced benefit, or delay your benefits past FRA and boost them by 8% a year up to age 70.
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