As of December 2025, the average Social Security benefit for people aged 70 is $2,274.68 per month, according to the Social Security Administration (SSA). This age marks the absolute ceiling for your monthly check's growth. Credits stop accruing once your 70th birthday arrives, so there isn't any financial reason to wait longer to claim. Waiting past your full retirement age (FRA) -- 67 for most workers today -- triggers delayed retirement credits. The SSA adds an 8% increase for every full year you delay past that point. If your FRA is 67, this mechanic can add up to 24% to your base amount if you hold off until age 70. Image source: Getty Images.
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