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This underused Social Security move will boost the average check by $460 in 3 years


The average Social Security check as of April 2024 was about $1,915 per month. That comes out to $22,980 annually. It’s enough to cover a substantial portion of most seniors’ living expenses, but it’s tough to live on alone.

Fortunately, you don’t have to settle for average checks if you understand how the government calculates your benefits. There’s one trick that could boost your average benefits by 24% in three years, but it’s not for everyone.

Smiling couple sitting on golf cart.

A quick recap of how the government calculates Social Security benefits

Understanding how the government calculates Social Security benefits is essential to maximizing your checks. It begins with determining your primary insurance amount (PIA). To do this, the government puts your average monthly earnings, adjusted for inflation, over your 35 highest-earning years into the Social Security benefit formula.



Read More:This underused Social Security move will boost the average check by $460 in 3 years