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Limitations

THE WAY BENEFITS ARE COMPUTED NOW:
Overview
Limitations
Step 1 - Find The Normal Retirement Age
Step 2 - Calculate The Average Indexed Monthly Earnings
Step 3 - Calculate The PIA
Step 4 - Retirement Benefits For A Spouse
Current Year Wage & Benefits Maximums
Senior's Earning Limit Repealed
The computation described here will cover most but not all situations. The situations that this computation will not work for are as follows:
  • This computation works when the worker and the spouse are born after 1921.
  • This method is for retirement benefits. It does not cover disability or death benefits.
  • To be covered one must work 40 quarters (10 years). If you have not worked 40 or more quarters, this computation will not be accurate.
How to increase your Social Security Retirement Benefits

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