Social Security’s new 2026 maximum hits $5,251 per month — who can claim the top benefit

The 2026 Social Security maximum benefit hits a record $5,251 monthly. This massive jump follows a 2.8% COLA increase. High earners must hit the $184,500 taxable cap for 35 years to qualify. Average checks now sit near $2,071. Claiming at age 70 is mandatory for the top payout. Waiting past age 62 boosts checks by 76%. Planning now ensures maximum lifelong inflation protection.