Average Age-70 Social Security Benefit Reaches $2,274.68 a Month, Rising 24% for Late Claimers
Updated
Updated · AOL · Nov 6
Average Age-70 Social Security Benefit Reaches $2,274.68 a Month, Rising 24% for Late Claimers
3 articles · Updated · AOL · Nov 6
Summary
$2,274.68 was the average monthly Social Security benefit for 70-year-olds in December 2025, or about $27,296 a year, according to the latest SSA data.
Age 70 is the last point to maximize benefits because delayed retirement credits add 8% for each year claimed after full retirement age until then—lifting checks 24% for most workers whose FRA is 67.
Men at 70 received an average $2,529.62 a month and women $2,024.08, a $505.54 gap tied largely to differences in career length and lifetime earnings.
A 3.6% COLA due in 2027 would add about $82 a month to that average, though Social Security is designed to replace only about 40% of pre-retirement income.
Waiting until 70 generally pays off most for healthier, longer-lived or higher-earning workers, with a break-even age around 82 to 83 and a larger survivor benefit for spouses.