Claiming Social Security at 62 provides early income but comes with earnings limits that may reduce your benefits. Learn how work and timing impact your payments.

The Social Security Administration is crucial for American retirees. Understanding benefit calculations can help maximize your monthly income. Learn how to optimize your benefits, even if you haven't worked for 35 years.

In fact, the maximum possible Social Security benefit in 2025 is $5,108 per month, which equals $61,296 per year in inflation-protected retirement income. However, a very small percentage of retired workers get this much money, or even close to it.