3 Steps to Take to Collect the Max Monthly Social Security Check in Retirement

There's no way around these three steps if you want to collect the maximum possible benefit.

May 24, 2025 - 11:57
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3 Steps to Take to Collect the Max Monthly Social Security Check in Retirement

The average retiree collects nearly $2,000 in retirement benefits each month from Social Security. That's a nice supplement to anyone's retirement savings.

But a select handful of retirees will receive $5,108 each month this year, and they'll get an even bigger check in the future thanks to the program's annual cost-of-living adjustment, or COLA. That's the maximum retirement benefit for 2025, and each of those beneficiaries followed the same exact steps to become eligible for that big paycheck.

If you want to collect the max monthly Social Security check in retirement, you can follow their lead with these three steps.

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