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Source document· April 3, 2026

Here's the Average Social Security Retired-Worker Benefit by Age (From 62 Through 99-Plus)

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Here's the Average Social Security Retired-Worker Benefit by Age (From 62 Through 99-Plus) Key Points Nearly a quarter-century of Gallup surveys show that Social Security income is relied upon by up to 90% of retirees to make ends meet…

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For every year a worker waits to initially collect their benefit, from age 62 until age 70, their payout can grow by up to 8%
60% confidence
Claiming at age 62 can permanently reduce a worker's monthly payout by 25% to 30%, depending on their birth year
60% confidence
Spending more time out of the labor force has negatively impacted the earning potential for women, resulting in the observed drop-off in average retired-worker payouts from age 85 onward
60% confidence
26% of mothers were stay-at-home parents compared to just 7% of fathers
60% confidence
80% to 90% of retirees rely on their Social Security payout to cover some portion of their expenses
60% confidence
Up to 90% of retirees rely on Social Security income to make ends meet
60% confidence
One easy trick could pay you as much as $23,760 more each year in Social Security benefits
60% confidence
Waiting until age 70 to initially collect benefits can increase their benefit by 24% to 32% above what they'd receive at full retirement age
60% confidence