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Social Security 2024: here's how to get the biggest possible check for retirees

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In 2024, the Social Security Administration and the United States Government have increased the check for retirement benefits due to COLA. Therefore, the largest check available today reaches $4,873 in the Age Retirement category and $3,822 in the Disability category.

Obtaining the maximum payment is possible, but only in the event that we have not previously applied for the retirement check. Once we start collecting the monthly Social Security payment there will be no way to increase the amount we get each month. But if we are thinking about applying for the payment soon, we should know how to reach the highest amount possible.

How to get the biggest Social Security check?

Social Security payments depend on three different factors. If we take into account these three factors we will be able to have a good retirement check every month. You don't need to reach the $4,873 figure to enjoy perfect golden years. Sometimes, getting the biggest check within our means is enough.

Thus, we must take into account the factors of retirement age, years worked and salary. These three aspects combined make up the monthly Social Security payment, although it is true that it is not always possible to maximize all three elements.

To have the best possible benefit we need to apply for retirement at age 70, have worked 35 years and have a good salary during that time. Only then will we be able to get a monthly payment very close to $4,873 each month.

In short, in order to obtain the best possible payment, we must always be close to the three figures mentioned above. If we retire before age 70 that's fine too, but we should then maximize the other elements a bit so that Social Security is not too small.

Extra Social Security payments

In addition to the Age Retirement or Disability payments, the Social Security Administration also sends an extra check to several United States citizens. This extra check is the Supplemental Security Income check and ensures eligible beneficiaries have an extra payment each month.

The check can reach $943 and in some months we may get this check twice, although only under exceptions. In order to qualify for this extra payment we must be 65 years of age or older or have a disability, as well as have low resources and low monthly income.

This extra payment perfectly complements the monthly Social Security payment, but it is not mandatory to be retired to apply for it. Even so, only pensioners with low pensions will be able to request this extra check that supplements the benefit.

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