Thinking of Claiming Social Security? Be Prepared for Less Than The $4,194 Maximum

In 2022, the maximum Social Security benefit will be $4,194. If you're planning on claiming Social Security next year, chances are good you won't get anywhere near that much money -- and you need to be prepared for that before you start your checks. See, Social Security benefits are determined based on a recipient's average wages during their 35 highest earning years (after their wages during their career are adjusted for inflation).