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Financial Learning Center


Your Social Security Benefits

How Much Will You Collect?

Your actual retirement benefit is based on your average adjusted earnings over your working lifetime. Social Security adjusts your earnings for inflation and the number of years worked and then uses a specific formula to determine your actual benefit. The formula is weighted to favor low-income workers since they have had less opportunity to save over the years.

The best way to find out what you can expect is to review your Social Security Statement (see the section Auditing Your Social Security Statement).

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