What salary do you need to qualify for the $5,251 maximum Social Security benefit? Here's the breakdown

In 2026, the maximum Social Security benefit has surged to $5,251 per month, providing over $63,000 in annual guaranteed income. To hit this record cap, workers must earn at least the $184,500 taxable maximum for 35 years. Additionally, claimants must delay benefits until age 70 to secure the full amount. This data reflects a 2.8% COLA increase, drastically outpacing the average retiree's $2,071 monthly check.