In 2026, the maximum Social Security benefit is $5,251, but very few will receive this amount. To increase your future retirement security, focus on boosting your income and delaying your benefits claim to maximize your Social Security check. Working on these goals this year can lead to a more financially secure retirement.

Your income is crucial in determining your Social Security benefit, as payments are based on around 40% of pre-retirement earnings. To reach the maximum benefit, you must earn the maximum income subject to Social Security tax for at least 35 years. Work on increasing your income to improve your benefits.

The wage base limit for Social Security in 2026 is $184,500, up from $176,100 in 2025. If you are not on track to receive the maximum benefit, consider increasing your income through a salary boost or side gig. This can lead to a higher Social Security check in the future.

To qualify for the maximum Social Security benefit of $5,251, you must claim benefits at age 70 and have earned at least the wage base limit for 35 years. Delaying your claim past full retirement age can increase your benefits through delayed retirement credits, ensuring a higher monthly check.

By maximizing income and delaying benefits, you can secure the largest Social Security benefit possible. Even if you won’t reach the maximum benefit, working towards these goals can lead to a financially stable retirement. Take steps this year to ensure your future financial security.

Discover little-known “Social Security secrets” to boost your retirement income. By learning how to maximize your benefits, you can retire with confidence and peace of mind. Don’t leave money on the table in retirement – explore these strategies and more to secure your financial future.

Source: The Motley Fool.

Read more at Yahoo Finance: If Your Social Security Check Is On Track to Be Less Than $5,251 in 2026, Consider These Changes