When you are hoping to get the maximum benefits possible, the question of whether or not to delay claiming Social Security payments becomes imperative. The benefit amount can vary depending on if you retire early or wait until age 70.

The average Social Security benefit is about $1,979 per month in 2025. The maximum Social Security benefit for someone who retires at full retirement age is $4,018 in 2025. However, a worker must earn the maximum taxable amount, currently $176,100 for 2025, over a 35-year career to get this Social Security payment.