To claim the maximum Social Security benefit of $5,251, you need to have worked for at least 35 years and paid the maximum Social Security taxes each year. Waiting until age 70 to apply is crucial to receive the largest checks available each year. Seniors qualifying for the top benefit will take home over $63,000 in 2026, close to the average senior household spending. Even if the highest benefit is out of reach, you can still increase your Social Security benefits by working longer, negotiating a raise, starting a side hustle, or delaying your application. Don’t overlook potential bonuses that could boost your retirement income by learning Social Security secrets.

Read more at Nasdaq.: Will You Qualify for Social Security’s Biggest Paycheck of $5,251 in 2026?