Social Security Administration

SSA Publication No. 05-10070\
March 2000\
*(March 1999 edition may be used)*

How Your Retirement Benefit Is Figured

As you make plans for your future, one of the questions you\'ll probably
ask is, "How much will I get from Social Security?" There are sev­eral
ways you can find out. Social Security sends ayearly statement ot
everyone age 25 or older who haws worked under Social Security and does
not yet recieve benefits. You should receive a *Social Security
Statement* every year about three months before your birthday.

You can also request a statement by calling Social Security and asking
for a form SSA- 7004, Request for Earnings and Benefit Esti­mate
Statement, or by downloading the form from
www.ssa.gov/online/ssa-7004.html on the Internet. Or you can calculate
the benefit your­self using the programs available at www.ssa.gov/retire
on the Internet.

Even with an estimate, however, many peo­ple still wonder exactly how
their benefit is fig­ured. Social Security benefits are based on earnings
averaged over most of a worker\'s life- time. Your actual earnings are
first adjusted or "indexed" to account for changes in average wages
since the year the earnings were received. Then we calculate your
average monthly indexed earnings during the 35 years in which you earned
the most. We apply a for­mula to these earnings and arrive at your basic
benefit, or "primary insurance amount" (PIA). This is the amount you
would receive at your full retirement age, 65 or older, depending on
your date of birth. The full retirement age for people born in 1938 is
65 and 2 months. This age will increase gradually each year until it
reaches 67 for people born in 1960 or later.

Factors That Can Raise Or Lower Your Retirement Benefit

The monthly benefit you receive from Social Security may not be the
basic benefit. Your actual benefit may be higher or lower than that
amount if any of the following is true.

-   You receive benefits before your full retire­ment age.

> You can begin to receive Social Security bene­fits at age 62, but at a
> reduced rate. Your basic benefit will be reduced by a certain percent
> for each month that you receive benefits before your full retirement
> age. The closer you are to your full retirement age when you begin
> receiving benefits, the greater your benefit amount.

-   *You receive cost-of-living increases*.

> You are eligible for cost-of-living benefit increases starting with
> the year you become 62. This is true even if you don\'t get benefits
> until 65 or even 70. Cost-of-living increases are added to your
> benefit beginning with the year you reach 62 up to the year you start
> getting benefits.

-   *You delay your retirement past your full retirement age*.

> You may continue working past the full retire­ment age and not begin to
> receive Social Secu­rity benefits. If you choose to do this, your
> benefit amount will be increased by a certain percent for every month
> that you are past full retirement age but do not receive benefits.
> These increases are automatically added to your benefit until you
> reach age 70.

-   *You are a government worker with a pen­sion*.

> If you also get or are eligible for a pension from work where you
> didn\'t pay Social Security taxes, usually a government job, a
> different for­mula is applied to your average monthly earn­ings. To find
> out how your benefit is figured, contact us and ask for a copy of *A
> Pension From Work Not Covered By Social Security* (Publication No.
> 05-10045).

For More Information

On the back of this page is a worksheet you can use to estimate your
retirement benefit if you were born in 1938. You can also get
informa­tion 24 hours a day by calling Social Security\'s toll-free
number, **1-800-772-1213**. Or visit us at www.ssa.gov on the Internet.
People who are deaf or hard of hearing may call our toll-free "TTY"
number, 1-800-325-0778, between 7 a.m. and 7 p.m. on business days.

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+---+----------------------------------+----------------------------------+---+
|   |                                  |                                  |   |
+---+----------------------------------+----------------------------------+---+
|   |                                  |                                  |   |
+---+----------------------------------+----------------------------------+---+

  ---------- ------------------- ---------------- ------------- -----------------
  **Year**   **A. Maximum        **B. Actual      **C. Index    **D. Indexed
             Earnings**          Earnings**       Factor**      Earnings**

  1951       \$3,600                              10.31         

  1952       3,600                                9.71          

  1953       3,600                                9.19          

  1954       3,600                                9.15          

  1955       4,200                                8.74          

  1956       4,200                                8.17          

  1957       4,200                                7.93          

  1958       4,200                                7.86          

  1959       4,800                                7.49          

  1960       4,800                                7.20          

  1961       4,800                                7.06          

  1962       4,800                                6.73          

  1963       4,800                                6.56          

  1964       4,800                                6.31          

  1965       4,800                                6.20          

  1966       6,600                                5.84          

  1967       6,600                                5.54          

  1968       7,800                                5.18          

  1969       7,800                                4.90          

  1970       7,800                                4.67          

  1971       7,800                                4.44          

  1972       9,000                                4.05          

  1973       10,800                               3.81          

  1974       13,200                               3.59          

  1975       14,100                               3.34          

  1976       15,300                               3.13          

  1977       16,500                               2.95          

  1978       17,700                               2.73          

  1979       22,900                               2.51          

  1980       25,900                               2.31          

  1981       29,700                               2.10          

  1982       32,400                               1.99          

  1983       35,700                               1.89          

  1984       37,800                               1.79          

  1985       39,600                               1.72          

  1986       42,000                               1.67          

  1987       43,800                               1.57          

  1988       45,000                               1.49          

  1989       48,000                               1.44          

  1990       51,300                               1.37          

  1991       53,400                               1.32          

  1992       55,500                               1.26          

  1993       57,600                               1.25          

  1994       60,600                               1.22          

  1995       61,200                               1.17          

  1996       62,700                               1.11          

  1997       65,400                               1.05          

  1998       68,400                               1.00          

  1999       72,600                               1.00          
  ---------- ------------------- ---------------- ------------- -----------------