How to Claim the Maximum Monthly Social Security Benefit of $4,555

Getting the maximum Social Security benefit of $4,555 every month during retirement can seem like a distant dream for most seniors. But it is possible to score a benefit that high.[0] Here’s how to claim the $4,555 max monthly Social Security benefit.

The amount of money one receives from the payments is contingent upon their retirement age.[1] According to the Social Security Administration (SSA), the highest payment of up to $4,555 each month goes to people who retired at 70. Recipients who retired at 67 will receive a maximum check of $3,627, and anyone who retired at 62 will get up to $2,572.[2]

In 2020, Social Security beneficiaries under the age of full retirement can earn up to $18,240 before losing one dollar of benefits for every $2 earned over the limit.[3] To be eligible for $4,555 a month, you’ll need to have worked for 35 years so that you won’t have any $0s in your benefits calculation for missing years.[0]

SSI payments from the Social Security Administration are typically disbursed on the first day of each month.[4] When the first of the month falls on a holiday or weekend, the agency releases the checks on the last business day of the previous month to guarantee that recipients have the check by the first of the month.[5] Beneficiaries of SSI receive their payments on the first of the month or the closest business day if the first occurs on a weekend or holiday.[5] For those who started receiving Social Security before May 1997 or get both Social Security and SSI, their payments are due on the third of the month.[5]

In order to obtain the largest possible Social Security benefit per month, it is advisable to wait until age 70 before filing. You’re entitled to your complete monthly benefit based on your earnings history once you reach full retirement age, which is either 66, 67, or somewhere in between, depending on when you were born.[0] If you wait to file for your retirement benefits after reaching full retirement age, your benefits will increase by 8% each year.[0]

While the monthly Social Security benefit you’re eligible for may not be anywhere close to $4,555, you can still build a solid nest egg to compensate for the lower income. Even if you’ve largely missed the boat there, you’re not out of options.[0] Understanding the rules and regulations of the Social Security Administration is key to receiving the maximum benefit.

0. “3 steps to claiming the $4,555 max monthly Social Security benefit” USA TODAY, 11 Mar. 2023,

1. “Social Security update: Direct payment worth up to $4555 to be sent to millions in one day” Washington Examiner, 7 Mar. 2023,

2. “Social Security update: Direct payment worth up to $4555 to be sent to millions today” Washington Examiner, 8 Mar. 2023,

3. “Social Security Supplemental Income 2023 — 33 states increase payments by $120 as double March check goes o…” The US Sun, 3 Mar. 2023,

4. “Social Security update: Second of March’s double direct payments worth $914 arrives in 23 days” Washington Examiner, 8 Mar. 2023,

5. “$1,800 social security checks: exact mailing dates in March 2023” AS USA, 8 Mar. 2023,