When to apply for retirement social security benefits? Key Considerations
July 30, 2025 | By Eric Siss, CFP®
The decision on when to file for retirement benefits warrants careful consideration. According to SSA.gov, the maximum monthly Social Security retirement benefit that an individual can receive per month in 2025 is $5,108 for someone who files at age 70. For someone at full retirement age, the maximum amount is $4,018, and for someone aged 62, the maximum amount is $2,831.