Summary of Key Points Core Viewpoint - The maximum monthly Social Security benefit is projected to increase from $5,108 in 2025 to approximately $5,245.97 in 2026, highlighting the importance of earning a high salary and delaying benefits claims to maximize retirement income [1][9]. Earnings Requirements - To achieve the maximum Social Security benefit in 2026, individuals must earn a substantial salary, specifically at or above the wage base limit, which is expected to rise from $176,100 in 2025 to $183,600 in 2026 due to inflation [5][9]. - Social Security benefits are calculated based on the average wages from the highest 35 years of earnings, with only income up to the wage base limit being considered for benefits [4][5]. Claiming Strategy - Individuals aiming for the maximum benefit must plan to delay their Social Security claims until age 70, which is eight years after becoming eligible at age 62 [6][7]. - Delaying benefits allows individuals to accumulate delayed retirement credits, which enhance the standard Social Security checks until age 70, maximizing the overall benefit [8][9].