- The 3-step formula behind your check — your 35 highest years, the 2026 bend points, and your PIA
- Your Full Retirement Age by birth year, and what 62 vs. 67 vs. 70 pays on the same benefit
- The 2026 numbers: a 2.8% COLA, $4,152 max at FRA, $5,181 at 70, and the $24,480 earnings test
- Spousal and survivor benefits — and why the higher earner delaying protects the survivor for life
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The most permanent decision in your retirement, explained in plain English.
A SeniorSimple guide to how your Social Security benefit is calculated and what your claiming age does to it for the rest of your life. Educational — nobody will call you.
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SeniorSimple is an independent education resource. We don't sell insurance. We publish plain-English guides so seniors can make informed decisions.